Credit union · NCUA insured
Sierra Central Credit Union Savings Rates
Sierra Central Credit Union’s best savings rate is 0.70% APY on $10,000, with its Flex Money Market. Rates checked October 16, 2026.
How Sierra Central Credit Union’s savings rates compare
Compared with banks and credit unions near Chico, CA, where Sierra Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sierra Central Credit Union
0.70%APY
- Requires
- None
- Earns on $10,000 a year
- $70
Flex Money Market
Top rate
Rogue Credit Union
3.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $300
2nd-highest rate
Self-Help Federal Credit Union
2.12%APY
- Requires
- None
- Earns on $10,000 a year
- $212
Sierra Central Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.76%
- QualifiedQualified0.70%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sierra Central Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Investor Money Market
0.07%APY
Membership open to those that live, work, or attend school in any branch location county. Dividends compound monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.07% | $7 |
| $25,000 and up | 1.26% | — |
| $50,000 and up | 1.51% | — |
| $100,000 and up | 1.76% | — |
| $200,000 and up | 2.02% | — |
| $300,000 and up | 2.27% | — |
Flex Money Market
Up to 0.70%APY
Membership open to those that live, work, or attend school in any branch location county. Dividends compound monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Over $0Unknown to open | 0.07% | Unknown | $7 |
| $2,500 and upUnknown to open | 0.60% | Unknown | $60 |
| $10,000 and up$10,000 to open | 0.70% | $10,000 | $70 |
| $50,000 and upUnknown to open | 1.26% | Unknown | — |
| $100,000 and upUnknown to open | 1.76% | Unknown | — |
Membership Savings
Up to 0.07%APY
Required account for membership; provides membership eligibility and serves as a basic savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
| $100 and up | 0.07% | $7 |
Sources (1)
- sierracentral.com/rates · captured Oct 16, 2026
Regular Savings
Up to 0.07%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
| $100 and up | 0.07% | $7 |
Sources (1)
- sierracentral.com/rates · captured Sep 16, 2026
Special-purpose accounts
IRA Money Market Savings
Up to 1.76%APY
Membership open to those that live, work, or attend school in any branch location county. Dividends compound monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.07% | $7 |
| $2,500 and up | 1.51% | $151 |
| $10,000 and up | 1.76% | $176 |
| $25,000 and up | 2.02% | — |
| $50,000 and up | 2.27% | — |
| $100,000 and up | 2.53% | — |
IRA Savings
1.00%APY
Available under Traditional IRA, Roth IRA, and SEP options; rollovers and transfers accepted.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 1.00% | $100 |
Sources (1)
- sierracentral.com/rates · captured Oct 16, 2026
Back-to-School Club
0.12%APY
July 23rd transfer date; balance transfers automatically to designated checking or savings account; maximum deposit limit of $20,000 (stated as $25,000 in product description).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $20,000 | 0.12% | $12 |
Holiday Club
0.12%APY
October 23rd transfer date; balance transfers automatically to designated checking or savings account; maximum deposit limit of $10,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.12% | $12 |
Sources (1)
- sierracentral.com/rates · captured Oct 16, 2026
Tax Club
0.12%APY
March 16th transfer date; balance transfers automatically to designated checking or savings account; maximum deposit limit of $25,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.12% | $12 |
Sources (1)
- sierracentral.com/rates · captured Oct 16, 2026
Vacation Club
0.12%APY
May 23rd transfer date; balance transfers automatically to designated checking or savings account; maximum deposit limit of $15,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $15,000 | 0.12% | $12 |
Sources (1)
- sierracentral.com/rates · captured Oct 16, 2026
Earnie's Kids Club Savings
Up to 0.07%APY
For members 12 years of age and under; requires opening in-branch with a parent or legal guardian.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
| $100 and up | 0.07% | $7 |
Sources (4)
- sierracentral.com/bank/personal
- sierracentral.com/kidsclub
- sierracentral.com/rates
- sierracentral.com/bank/youth-banking
All captured Sep 16, 2026
Minor Savings
Up to 0.07%APY
Minor savings account included under the Membership, Regular, & Minor Savings schedule.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
| $100 and up | 0.07% | $7 |
Sources (1)
- sierracentral.com/rates · captured Oct 16, 2026
Who can join Sierra Central Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.