Credit union · NCUA insured
Sierra Pacific Federal Credit Union Savings Rates
Top CarrotSierra Pacific Federal Credit Union’s best savings rate is 2.25% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Sierra Pacific Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Reno, NV, where Sierra Pacific Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sierra Pacific Federal Credit Union
2.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $225
Money Market
Top rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
2nd-highest rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
Sierra Pacific Federal Credit Union savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.14%
- $100,000 balance$100,0000.14%
- QualifiedQualified0.14%
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 Pacific Federal 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.
Money Market
2.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 2.00% | — |
| $10,000 – $25,000 | 2.25% | $225 |
| $25,000 – $100,000 | 2.50% | — |
| $100,000 – $150,000 | 3.00% | — |
| $150,000 – $249,999 | 3.25% | — |
Sources (1)
- sierrapacificfcu.org/about/rates · captured Oct 14, 2026
Regular Shares
0.14%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 and up | 0.14% | $14 |
Sources (2)
All captured Sep 16, 2026
Auxiliary Share
0.10%APY
Rate increases at $10,000 level.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate increases at $10,000 level.Any balance | 0.10% | $10 | Rate increases at $10,000 level. |
Sources (1)
- sierrapacificfcu.org/about/rates · captured Sep 16, 2026
Special-purpose accounts
IRA
0.45%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.40% | — |
| $10,000 and up | 0.45% | $45 |
Sources (2)
All captured Sep 16, 2026
Christmas Club
0.10%APY
Account is subject to fees for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAccount is subject to fees for early withdrawal.Any balance | 0.10% | $10 | Account is subject to fees for early withdrawal. |
Sources (2)
All captured Sep 16, 2026
Vacation Club
0.05%APY
Rate increases at $10,000
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate increases at $10,000Any balance | 0.05% | $5 | Rate increases at $10,000 |
Sources (1)
- sierrapacificfcu.org/about/rates · captured Sep 16, 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.