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Teenager using Sierra Central for Banking
Youth Banking

Nurturing our youngest credit union members with financial literacy and essential life skills!

Did you know you can open a Checking account starting at the age of 13-years-old? Traditional banks can't offer this option to customers - but we can.

Along with their very own Debit card, a Youth Choice Checking account offers access to Online and Mobile Banking.
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Youth Choice (Checking)
Earnie's Kids Club (Savings)
My First VISA®
My First Home
Youth Choice Checking

A hassle-free, no-cost way to save and spend to help establish your financial future.

Our Youth Choice Checking account is available for those ages 13 up to 24 years!

Banking for our youngest members!

With a Youth Choice Checking account, Sierra Central offers no monthly service fees, until the age of 25, at which point the account will convert to our regular Choice Checking account, which has a selection of options for members to choose from!

  • No-cost checking
  • VISA® Debit card
  • Online Banking
  • Mobile Banking
  • No-cost in-branch service

*For members 13-17 years of age, a joint owner (parent or legal guardian), over the age of 18, is required to open up a Checking account.‍

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Persons First Home
Earnie's Kids Club (Savings)

Tiny deposits, big dreams!

With our Kid's Club Savings account, members can start their saving journey and build a solid financial foundation, all while having fun!

Hey Kids!

Earnie's Kids Club is a program designed for Sierra Central's youngest members to build a solid financial foundation for life. Kids, ages 12 and under, can deposit allowance, birthday money, holiday cash, and those hard-earned dollars from babysitting or mowing lawns into their Savings account and watch their money grow. This interactive program rewards kids who deposit $20+ with a stamp in their Passport and the opportunity to draw from our Treasure Chest.

Kid's Club Members Receive:

  • At Sign Up - passport, cash cube, sticker & pencil
  • Every $20+ Deposit - stamp in passport & treasure chest prize
  • On 13th Birthday - when you graduate from the Kid's Club, members receive a certificate and backpack with goodies, plus have the opportunity to open a Youth Choice Checking account and will then receive $13*

‍All Kid's Club members must visit a branch (membership not valid for enrollment online or through our Virtual Branch) with their parent or legal guardian, to sign up!

To get started, book an appointment with your local branch today!

Make an appointment
Persons First HomePersons First Home
My First Visa

Start establishing your credit today with a Sierra Central My First VISA®.

Ready to start spending responsibly? We've got you covered!

With a credit line of $500 or $1,000, our My First VISA® has no annual fee.

A Sierra Central VISA® Credit card is recognized worldwide, making it the perfect first Credit card for the youth in your life just starting their credit journey.

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My First Visa
My First Home

A lot of first-time home buyers are concerned they won’t qualify for a mortgage because they won’t meet the necessary requirements.

Sierra Central offers a great program for those just starting their credit journey making it possible to own their first home.

Just starting out with a first-time home loan? Let's make it happen!

At Sierra Central our First Time Home Loan allows for an immediate family member,* of a first-time borrower, to join in the purchase and financing of a primary residence as full co-borrower.

This option can possibly help a first-time borrower qualify a little easier! 

Financing options:

  • 2/2 Adjustable Rate Loan
  • 30-Year Fixed Rate Loan and loan-to-value up to 97%

These are just a couple of our product features!

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*Non-occupant co-borrower(s) must be immediate family member (parent, grandparent, or sibling). Either the occupant borrower or the non-occupant co-borrower(s) must have been an SCCU member for at least one year. Non-occupant co-borrower(s) may own a primary residence and one second home or investment property. Available for Single family only, No manufactured homes. Membership and/or participation fees required. All loans subject to credit approval and certain restrictions may apply. Rates, terms and fees effective as of the date of publication and can change at any time without notice. We reserve the right to correct printing errors.
Persons First Home