Routing Number: 321280237

Financial Hardship Assistance

When unexpected difficulties make it hard to keep your finances on track, Sierra Pacific is here to help you regain control and move forward with confidence.

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A female construction worker smiles while on a job site, representing a Sierra Pacific member

Financial Hardship

At Sierra Pacific, we know that unexpected hardships can disrupt even the best household budget. If you may have trouble making a loan payment, maintaining account balances, or otherwise managing your finances, Sierra wants to help. 

Financial Hardship Could Include:

  • Job Loss and Unemployment
  • Illness or Injury
  • Reduced Hours
  • Divorce
  • Labor Union Strike
  • Being Called to Military Active Duty
  • Disaster & Emergency Situations
  • And More

LOAN ASSISTANCE

Skip a Loan Payment

If you're facing temporary financial difficulties, you can apply to skip a loan payment*. This option provides immediate relief by allowing you to delay a payment and catch up as your situation improves.

Key Benefits:

  • Immediate financial relief
  • Easy application process
  • Protects your credit score
Request A Skipped Payment
*If GAP insurance was purchased on the loan, a payment deferral could affect your policy. All credit union services must be in good standing. Loans must have at least six (6) months of payment history. Limit one skipped payment per loan per year. Limit of two hardship skips for the life of the loan. Payment deferrals are not available for real estate, credit cards, or home equity loans and lines of credit.

Change Your Payment Due Date

Struggling to make your loan payments on time? Adjust your payment due date to better align with your pay periods. This change can make it easier to manage your budget and avoid missed payments.

Key Benefits:

  • Aligns payment schedule with your income
  • Reduces stress from mismatched pay periods
  • Helps avoid late fees
Contact Us

MONEY MANAGEMENT

Low-Balance Alerts

Set up low-balance alerts for your checking and savings accounts to help you avoid overdrafts and manage your balances more effectively. Stay informed and take action before financial issues arise.

Key Benefits:

  • Avoid overdraft fees
  • Better manage your funds
  • Receive timely text, email, or push alerts

Meet a Financial Counselor

Our certified financial counselors are here to help you create a personalized recovery plan. Whether you need help budgeting, managing debt, or finding additional resources, our experts can guide you through your financial challenges.

Key Benefits:

  • Personalized advice and support
  • Comprehensive recovery plan
  • Access to additional resources
Request a Meeting

Financial Wellness Portal

Access our free, personalized financial wellness platform to find answers and advice as you navigate your recovery. This tool provides valuable insights, tips, and strategies to help you manage your finances effectively during tough times.

Key Benefits:

  • Free and easy to use
  • Personalized guidance
  • 24/7 access to resources
  • Monthly $1,000 sweepstake for users1
Explore Financial Wellness
1 Users must create an Enrich account, complete tasks and redeem Sprouts points for entries into the monthly sweepstakes.