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Overdraft Protection

Have peace of mind by securing your account with OVERDRAFT PROTECTION.

OVERDRAFT PROTECTION

Sierra Central Credit Union may honor a Member transaction that results in an overdrawn account using the Credit Union's Overdraft Protection Program (also commonly referred to as "Courtesy Pay").

Under this program, the Credit Union charges a fee to provide for the payment of a transaction that would otherwise be returned due to non-sufficient funds (NSF).

*The Credit Union is under no obligation to pay every overdraft.
Alternate options from COURTESY PAY.
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Sierra Central offers other alternate options. You can also transfer from either your:
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SAVINGS ACCOUNT or a LINE-OF-CREDIT

TYPES OF TRANSACTIONS SUBJECT TO OVERDRAFT PROTECTION:

1 - Share Drafts/Checks
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2 - In-person withdrawals
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3 - Bill payment
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4 - ACH Items
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5 - Reoccurring debit card payments
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6 - ATM and one-time Debit card transaction

‍Prior to assessing a fee for ATM and one time Debit card transaction overdrafts, the Credit Union will provide Members with the right to opt-in or affirmatively consent, to the Credit Union's overdraft service for ATM and one-time debit card transactions.

MEMBER QUALIFICATIONS:
Members are automatically enrolled in the program daily based on eligibility requirements. Members are given the opportunity to “opt out” of being considered for eligibility at the time of account opening. Members who no longer meet the eligibility requirements will have access to the program again when eligibility requirements are met.

REPAYMENT:
‍The member has 30 calendar days from the date the Courtesy Pay Overdraft payment was made to repay the negative balance on their checking account. On the 31st calendar day, if the account remains negative the account will be closed. If the 31st calendar day falls on a weekend and/or holiday, it will be closed the 32nd, 33rd, or 34th day depending on the next working business day. If the member is in contact with Sierra Central and provides a payment date, the closure date can be extended no later than the 45th calendar day from the date the account first went negative.

FEES:
Applicable fees will be assessed for each overdraft and are located on the most current Fee Disclosure.

BECOME A MEMBER and find out for yourself, why Sierra Central Credit Union
is Northern California's premier
financial institution.

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1351 Harter Pkwy
Yuba City, CA 95993
Routing # 321174770
1-800-222-7228

Consumer Fee Schedule | Business Fee Schedule | Privacy Policy | CCPA
APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.

LTV = Loan to value.
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All loans subject to credit approval and some restrictions may apply. 

Payment example Auto Loan: Estimated APR of 6.49% on a loan amount of $35,000, for 60 months= Payments as low as $684.65per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.   

Payment example Signature Loan: Estimated APR of 9.74% on a loan amount of $25,000, for 60 months= Payments as low as $527.98 per month.
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Consumer Fee Schedule
Insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Sierra Central Credit Union does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex (which includes gender identity and sexual orientation), marital status or age (provided the applicant has the capacity to enter into a binding contract).
© Sierra Central Credit Union, all rights reserved