Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in Yuba City
Sierra Central Credit Union has served the financial needs of Northern California communities since 1955. Founded on Beale Air Force Base, we have grown to 19 branches across 18 counties while maintaining our commitment to personalized service and community impact. Our team of 100+ financial advisors offers comprehensive solutions including personal and business banking, lending services, and investment products.We prioritize financial education through resources like our Learning Center and annual youth scholarships, having donated over $100,000 annually to local causes. Recognized as #1 Bank/Credit Union in Yuba-Sutter, our NCUA-insured institution combines modern technology with traditional values to deliver secure, member-focused financial services.
Services
Checking Accounts
Savings Accounts
Personal Loans
Credit Cards
Business Banking
Investment Services
Financial Education
Payroll Services
Merchant Services
Loan Programs
Details
- Year established: 1955
Highlights and features
- Serving Northern California communities since 1955 with 19 convenient branch locations
- Awarded #1 Bank/Credit Union in Yuba-Sutter by local voters
- Dedicated to financial education with annual youth scholarships and learning resources
- 100+ experienced financial service advisors available for personalized guidance
- Emergency loan assistance programs for government employees during shutdowns
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Top-notch service
Attentive staff
Quick resolution
Friendly team
Reliable support
Services
Personal Checking Accounts
Our personal checking accounts offer no monthly maintenance fees, free online banking, and mobile check deposit. Designed for everyday financial management, these accounts provide convenient access to ATMs and nationwide surcharge-free transactions. Members benefit from early direct deposit availability and customizable account alerts for enhanced financial control.
Personal Loans
Flexible personal loan options feature competitive rates starting at 8.49% APR with terms up to 60 months. Available for various purposes including debt consolidation, vehicle purchases, or home improvements. Emergency relief programs offer special assistance for government employees during shutdowns with payment deferral options.
Share Certificates
High-yield share certificates provide secure savings options with fixed rates up to 3.4% APY for qualified balances. Terms range from 6 months to 5 years with tiered pricing structures. Special promotions offer enhanced rates for larger deposits while maintaining NCUA insurance protection for all accounts.
Business Banking
Comprehensive business banking solutions include merchant services, payroll processing, and commercial loans. Specialized accounts support business growth with features like ACH processing, cash management tools, and credit lines. Our local decision-making approach ensures personalized service for Northern California businesses.
Financial Education
Free financial literacy resources cover budgeting, credit management, and retirement planning. Our Learning Center provides guides on choosing between checking and savings accounts, building credit scores, and investment basics. Community workshops and scholarship programs support long-term financial success for all ages.
People
Ronald Sweeney
CEO
Ronald Sweeney leads Sierra Central Credit Union with over 23 years of credit union experience. Former positions include CFO and COO at Sierra Central, and roles at FedAlaska FCU and Travis Credit Union. Holds a business degree from University of Alaska.
Stephanie Dickinson
CFO
Stephanie Dickinson serves as Chief Financial Officer with extensive experience in credit union accounting. A Yuba-Sutter native, she previously worked in California state government before joining Sierra Central, where she has held multiple financial leadership roles since 2005.
Michael Cartoscelli
Chief Retail Officer
Michael Cartoscelli oversees retail banking operations with a 25-year financial services career. Holds multiple business degrees and has served on various community boards including Sutter-North Medical Foundation and Yuba City Planning Commission.
Ernie Martin
Chief Lending Officer
Ernie Martin directs lending operations with 35 years of mortgage and lending expertise. Former VP of Real Estate at Sierra Central, he focuses on member-centric loan solutions while maintaining community involvement through local music and sports organizations.
Diane Myers
Board Treasurer
Diane Myers serves as Board Treasurer with professional background in accounting and education. A retired CPA, she brings financial expertise from roles as business owner, school district business manager, and college instructor with multiple professional accounting certifications.
Questions
What emergency financial assistance programs do you offer?
We provide flexible loan assistance through our Emergency Relief Program for government employees affected by shutdowns, including payment deferral options.
How can I access my accounts outside business hours?
Our online and mobile banking platforms offer 24/7 account access for transactions, bill payments, and account management from any device.
Do you offer financial education resources for members?
Yes, our Learning Center provides free resources on budgeting, credit management, retirement planning, and youth financial literacy programs.
What makes Sierra Central different from other banks?
As a member-owned credit union, we prioritize personalized service, community impact, and returning profits to members through competitive rates and local initiatives.
How do I schedule an in-person appointment?
You can schedule branch appointments online through our website or contact your local branch directly during operating hours (7am-7pm Mon-Fri).
Are my deposits insured at Sierra Central?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
