Credit union · NCUA insured
Sierra Pacific Federal Credit Union Credit Card Rates
Top CarrotSierra Pacific Federal Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Sierra Pacific Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Reno, NV, where Sierra Pacific Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sierra Pacific Federal Credit Union
8.99%APR
- Up to
- 14.99% APR
Nevada Alumni Affinity Visa
2nd-lowest rate
Great Basin Federal Credit Union
11.25%APR
- Up to
- —
3rd-lowest rate
America First Credit Union
11.74%APR
- Up to
- —
Sierra Pacific Federal Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sierra Pacific Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Nevada Alumni Affinity Visa
Offered in partnership with the Nevada Alumni Association for Nevada Grads and supporters. Includes 1 Free Year of Nevada Alumni Association Membership. Standard rates are based on creditworthiness and subject to change. Credit limit up to $10,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99%–14.99% | None | No Annual Fee. Standard rates are currently 8.99% to 14.99% APR based on creditworthiness. |
| Intro, 6 months | 1.00% | None | Introductory APR on balance transfers for the first 6 months. Normal rates will apply after promotional period. Limit of one active balance transfer at a time. |
Sources (1)
- sierrapacificfcu.org/personal/credit-cards · captured Oct 7, 2026
Platinum Credit Card
Standard rates are currently 8.99% to 14.99% APR and are based on creditworthiness and subject to change. Credit limit up to $10,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99%–14.99% | None | Standard purchase APR based on creditworthiness. |
| Intro, 6 months | 1.00% | None | Introductory APR on balance transfers from external credit cards for the first 6 months. Normal rates will apply after the promotional period. Limit of one active balance transfer at a time. |
Sources (2)
All captured Oct 7, 2026
Who can join Sierra Pacific Federal Credit Union
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.
Membership information collected October 4, 2026.