Credit union · NCUA insured
Sierra Pacific Federal Credit Union
Top CarrotA $187.8M credit union headquartered in Reno, NV, with 10,886 members and 5 branches in 2 states. Best rates: CDs 1.35% and savings 2.25% APY.
Sierra Pacific Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#4 of 21 in Reno, NV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sierra Pacific Federal Credit Union
Founded in 1936, Sierra Pacific Federal Credit Union is Nevada's oldest credit union, dedicated to serving workers and tradespeople who build and grow communities.
- Headquarters
- 6100 Neil Rd Ste 150, Reno, NV 89511
- NCUA charter
- 1000
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of partner groups and select employer groups (including NV Energy, Southwest Gas, Nevada Alumni Association, St. Mary's, Teamsters Union Local 533, Mars, Costco, and other partner organizations) are eligible for membership.
Cost to join
- Establishing membership requires an initial $5 share deposit into a Regular Share Savings Account, which Sierra Pacific provides and which serves as the minimum balance required to maintain membership.
Branches
5 branches in 2 states
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Nevada
4 branches
Reno area · 3
- GobMain office6100 Neil Rd Ste 150, Reno, NV 89511Directions
- Mill St.5580 Mill St Ste 700, Reno, NV 89502Directions
- St. Mary's645 N Arlington Ave Ste 300, Reno, NV 89503Directions
Las Vegas area · 1
- Las Vegas8360 S Durango Dr Ste 190, Las Vegas, NV 89113Directions
Arizona
1 branch
- Phoenix1600 E Northern Ave, Phoenix, AZ 85020Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.57% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.57% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.04% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $57 | $76 | — |
- CapitalNet worth ratio13.57%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.57%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.04%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$57Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sierra Pacific Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.