Rates
Whether financing a vehicle, home, or loan for today, or setting aside money for tomorrow, our rates are set with your needs in mind.
Check out Sierra Pacific’s latest rates below!
New and Used Vehicle Rates
Rates apply to 2017 or newer models if conditions are met.
*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Used Vehicle Rates
Rates apply to vehicle models more than 7 years old if conditions are met.
*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Recreational Vehicle Rates
Last Updated: November 21, 2024
*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Personal Loan Rates
Last Updated: July 30, 2024
*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Home Loan Rates
Last Updated: December 20, 2024
*APR=Annual Percentage Rate. Rates are displayed "as low as". Your rate may be higher based on credit, market rate, and other factors. Sierra Pacific FCU is an equal housing opportunity lender and federally insured by the NCUA.
Savings & Investment Rates
Last Updated: July 30, 2024
Regular Shares
Dividend Rate: 0.10%
*APY: 0.10%
$0.01 to $9,999.99
Regular Shares 10k+
Dividend Rate: 0.14%
*APY: 0.14%
$10,000 and above
Rewards Checking
Dividend Rate: 0.05%
*APY: 0.05%
$500 and above
*APY= Annual Percentage Yield. Rates are subject to change.
Club Account Rates
Last Updated: July 30, 2024
Christmas Club
Dividend Rate: 0.10%
*APY: 0.10%
Account is subject to fees for early withdrawal.
Vacation Club
Dividend Rate: 0.05%
*APY: 0.05%
$10,000 and above
Auxiliary Club
Dividend Rate: 0.10%
*APY: 0.10%
Rate increases at $10,000 level.
*APY= Annual Percentage Yield. Rates are subject to change.
IRA Rates
Last Updated: July 30, 2024
IRA
Dividend Rate: 0.40%
*APY: 0.40%
$100 to $9,999.99
IRA 10k+
Dividend Rate: 0.45%
*APY: 0.45%
$10,000 and above
*APY= Annual Percentage Yield. Rates are subject to change.
Money Market Rates
Last Updated: July 30, 2024
$0.01 to $9,999
Dividend Rate - 2.86%
*APY: 2.90%
$0.01 to $9,999
$10k to $24,999
Dividend Rate: 2.96%
*APY: 3.00%
$10,000 to $24,999.99
$25k to $99,999
Dividend Rate: 3.06%
*APY: 3.10%
$25,000 to $99,999.99
$100k to $149,999
Dividend Rate: 3.15%
*APY: 3.20%
$100,000 to $149,999.99
$150k+
Dividend Rate: 3.35%
*APY: 3.40%
$150,000 to $249,999
*APY= Annual Percentage Yield. Rates are subject to change.
Share Certificate (CD) Rates
Last Updated: July 30, 2024
6 Month
*APY: 0.90%
$5,000 to $100,000
9 Month
*APY: 1.00%
$25,000 to $100,000
12 Month
*APY: 1.25%
$5,000 to $24,999.99
12 Month 25k+
*APY: 1.35%
$25,000 to $100,000
*APY= Annual Percentage Yield. APR= Annual Percentage Rate. Rates are subject to change. Please contact a branch or check your statement for your CD rates.