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Loan Products

Equal Housing Lender

Meeting the needs of our members is one of the hallmarks of Sierra Pacific's service.  Many of our policies and loan products have been designed around specific member requests.

Sierra Pacific FCU's members are treated to some of the best rates available, one of the benefits of a closed membership institution.  Members are encouraged to discuss preferred loan terms - this is how Sierra Pacific FCU is constantly innovating its products.  (Members should check with a Member Representative since rates are subject to frequent change.)



SPFCU is one of the first institutions in the state to offer an automobile home equity loan that does not require establishing a line of credit with pre-payment penalties, appraisal fees, etc.  (Members should check with their tax advisor to ensure tax deductibility.)


Pre-Qualifying and Approval:

Approval is quick and convenient.  In many cases, loans submitted are reviewed, approved and disbursed within 24-hours.

Click here to apply online!

Other Key Features:

No Pre-payment Penalties on non-real estate loans.

Direct Payment Transfers Available from Other SPFCU Accounts

Payroll Deduction


Types of Loans:

  • New and Used Vehicles
  • Classic and Premium Vehicles
  • First and Second Mortgages
  • Vehicle Home Equity
  • Home Equity Lines of Credit
  • Credit Cards (Platinum and Classic)
  • Personal (Signature) Loans
  • Overdraft Lines of Credit
  • Boats and RV Loans
  • Stock Secured
  • Share Secured
  • Unimproved Land
  • Airplanes


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