Sierra Central Credit Union is a member-owned financial cooperative serving individuals and communities in and around Chico, California. Established to provide accessible banking services, the organization operates as a not-for-profit cooperative, with its governance driven by a voluntary board elected by members. Its core mission centers on delivering financial products and services that support members’ economic well-being and long-term financial stability.
Historically, Sierra Central Credit Union evolved from a community-focused financial institution designed to meet local borrowing and savings needs. Its primary functions include accepting deposits, offering loan products, and providing digital and in-branch banking support. The credit union emphasizes membership benefits, prudent financial management, and regulatory compliance to ensure safety and soundness. Its operational scope encompasses retail branches, member services, and underwriting activities aligned with consumer and small-business financial needs. By maintaining fiduciary responsibilities and sustaining capital, the organization aims to sustain member trust and contribute to the financial health of the communities it serves.
Better than 47% of providers in Chico
In addition to the primary service, Sierra Central Credit Union also offers:
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Sierra Central Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Sierra Central Credit Union is listed as a financial service provider in Chico, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Sierra Central Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Sierra Central Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Sierra Central Credit Union with other providers in Chico and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Sierra Central Credit Union has a rating of 3.5, which is better than 47% of providers in Chico.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Sierra Central Credit Union requests. It is always best to call ahead using the phone number on this page so Sierra Central Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Sierra Central Credit Union also offers: Credit union, ATM, Bank, Financial institution, Mortgage lender, Savings bank.