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Sierra Central makes no warranties, either express or implied, concerning the content of such linked sites, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Sierra Central warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination.

Sierra Central does not guarantee the authenticity of documents on the Internet. Links to non-Sierra Central sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. The privacy policies of Sierra Central Credit Union do not apply to linked Websites. Please consult the privacy disclosures on such sites for further information.

Customers Using Sierra Central Credit Card
Credit Cards

Discover the card that suits your needs, whether it's building credit or accessing premium rewards.

We offer four different options for a convenient way for our members to make purchases. Earn a little extra as you go!

uChoose Rewards
Some of our credit card options also include our UChoose Rewards, where you "Shop, Earn, and Choose" the perfect reward for your spending!
Please Select Account

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
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7.74
%
 - 
15.74
%
 APR
As low as 7.74%
Visa Premier

Premier VISA®

With our Premier card you have a low-rate credit card with worldwide acceptance.

  • Added VISA® benefits such as Travel Accident Insurance, Travel and Emergency Assistance, and more
  • Introductory rate for the first 6 payment cycles
  • Low variable rate that adjusts to prime interest rate plus "as low as" 4.99% after the introductory rate period

12.99%
*APR as low as: from
17.99%
To
*APY as high as
  • Credit lines from $10,000 to $25,000

  • 25 day grace period on purchases

  • Low introductory rates

*APR = Annual Percentage Rate stated are effective as of the date of publication and are subject to change at anytime without notice. Stated "As Low As" rates and APR are based on certain criteria and underwriting guidelines that include, but not limited, credit worthiness, loan to values, terms, products, collateral type, taxes, licensing, insurance, and specific product underwriting. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. **Introductory rates are available for limited terms and will adjust accordingly. All loans are subject to credit approval and underwriting guidelines and some restrictions may apply. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. No Annual Fee. See Credit Card Disclosure for full details.

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
This is some text inside of a div block.
7.74
%
 - 
15.74
%
 APR
As low as 7.74%
Visa Premier Rewards

Premier VISA® Rewards

With our Premier Rewards card you earn points for your purchases that can be used for merchandise, travel or cash back.

  • Added VISA® benefits such as Travel Accident Insurance, Travel and Emergency Assistance, and more
  • Introductory Rate for the first 6 payment cycles
  • Low variable rate that adjust to prime interest rate plus "as low as" 6.99% after the introductory rate period
  • uChoose Rewards - Whether you’re shopping online or in person, will earn reward points
  • There is no limit on the amount of points that you can earn
  • Redeem your points for CASH, merchandise, gift cards and so much more!

Apply today for your Sierra Central Premier Rewards VISA®, login to your UChoose account, shop, earn and redeem.  It’s that easy, you shop and you choose your rewards!

14.99%
*APR as low as: from
19.99%
To
*APY as high as
  • Credit lines from $10,000 to $25,000

  • 25 day grace period on purchases

  • Low introductory rates

*APR = Annual Percentage Rate stated are effective as of the date of publication and are subject to change at anytime without notice. Stated "As Low As" rates and APR are based on certain criteria and underwriting guidelines that include, but not limited, credit worthiness, loan to values, terms, products, collateral type, taxes, licensing, insurance, and specific product underwriting. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. **Introductory rates are available for limited terms and will adjust accordingly. All loans are subject to credit approval and underwriting guidelines and some restrictions may apply. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. No Annual Fee. See Credit Card Disclosure for full details.

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
This is some text inside of a div block.
7.74
%
 - 
15.74
%
 APR
As low as 7.74%
My First VISA

My First VISA®

  • Credit line of either $500 or $1,000
  • No annual fee
  • A Sierra Central VISA® card is recognized worldwide
22.99%
*APR as low as: from
27.99%
To
*APY as high as
  • Add to your mobile wallet

  • Can be used as an overdraft protection option for your Sierra Central Checking account

*APR = Annual Percentage Rate stated are effective as of the date of publication and are subject to change at anytime without notice. Stated "As Low As" rates and APR are based on certain criteria and underwriting guidelines that include, but not limited, credit worthiness, loan to values, terms, products, collateral type, taxes, licensing, insurance, and specific product underwriting. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. **Introductory rates are available for limited terms and will adjust accordingly. All loans are subject to credit approval and underwriting guidelines and some restrictions may apply. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. No Annual Fee. See Credit Card Disclosure for full details.

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
This is some text inside of a div block.
7.74
%
 - 
15.74
%
 APR
As low as 7.74%
Business VISA

Business Credit Card

Free yourself from the hassle of writing checks or carrying cash with a Sierra Central Business VISA®.

Internationally recognized and easy to use. Whether you are making a mobile purchase, paying a vendor, or having staff make quick purchases.
let us help your business grow.

BUSINESS VISA®

$5,000 - $50,000
Internationally recognized for small business.

17.99%
*APR as low as: from
22.99%
To
*APY as high as
  • Low variable rate that adjust to prime interest rate plus 9.99% after the introductory rate period

  • Access to funds when you need it

*APR = Annual Percentage Rate stated are effective as of the date of publication and are subject to change at anytime without notice. Stated "As Low As" rates and APR are based on certain criteria and underwriting guidelines that include, but not limited, credit worthiness, loan to values, terms, products, collateral type, taxes, licensing, insurance, and specific product underwriting. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. **Introductory rates are available for limited terms and will adjust accordingly. All loans are subject to credit approval and underwriting guidelines and some restrictions may apply. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. No Annual Fee. See Credit Card Disclosure for full details.

We've partnered with  provide our business members an all-in-one system.to provide our business members an all-in-one system.

  • Easier Payments

    Accepting any type of payments is a snap—from in-person swipe, chip and tap, to online payments.

  • Tighter Tracking

    Whether you sell coffee or memberships, all purchases are more secure and trackable.

  • Happier Customers

    Offer the best possible customer experience while building loyalty at your place of business and online.

  • More Flexibility

    Manage your business and make a sale from anywhere with our dashboard, mobile app and virtual terminal.

Get Started
This is some text inside of a div block.
7.74
%
 - 
15.74
%
 APR
As low as 7.74%
Secured VISA

Secured VISA®

Whether you’re dealing with a financial setback, a student without credit history, or just looking to build credit, a Sierra Central Secured VISA® can help.

  • Build credit
  • Set your credit limit
  • Your refundable deposit is held in a secured Savings account
  • Your card limit is the same amount as your security deposit
22.99%
*APR as low as: from
22.99%
To
*APY as high as
  • An everyday card for your purchases

  • Use your card wherever credit cards are accepted

  • It works just like a traditional Credit card, and it looks the same, too – merchants can’t tell the difference between a secured card and traditional card

*APR = Annual Percentage Rate stated are effective as of the date of publication and are subject to change at anytime without notice. Stated "As Low As" rates and APR are based on certain criteria and underwriting guidelines that include, but not limited, credit worthiness, loan to values, terms, products, collateral type, taxes, licensing, insurance, and specific product underwriting. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. **Introductory rates are available for limited terms and will adjust accordingly. All loans are subject to credit approval and underwriting guidelines and some restrictions may apply. Membership and/or participation fees may apply. Membership open to those that live, work, worship or attend school in any of our branch location counties. We reserve the right to correct publishing errors. Low variable rate that adjusts to prime interest rate plus a margin after the introductory rate period of 6 months. No Annual Fee. See Credit Card Disclosure for full details.

Premier VISA® or Rewards

Apply Now

My First
VISA®

Apply Now
Credit Line
$10,000 to $25,000
$500 or $1,000
$10,000 to $50,000
APR
Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period
Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period
A variable rate that adjusts to the prime interest rate plus a rate margin
Rewards
Available on the Premier Rewards card only. Earn points for your purchases that can be used for merchandise, travel, or cash back
None
None
Grace Period
25 day grace period on purchases
25 day grace period on purchases
25 day grace period on purchases
Cash Advance Fee
$10 or 3% of the cash advance amount, whichever is greater
$10 or 3% of the cash advance amount, whichever is greater
$10 or 3% of the cash advance amount, whichever is greater

Premier Visa or Rewards

Credit Line
$10,000 to $25,000
APR
Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period
Rewards
Earn points for your purchases that can be used for merchandise, travel, or cash back
Grace Period
25 day grace period on purchases
Grace Period
$10 or 3% of the cash advance amount, whichever is greater
Apply Now

My First Visa

Credit Line
$500 or $1,000
APR
Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period
Rewards
None
Grace Period
25 day grace period on purchases
Cash Advance Fee
$10 or 3% of the cash advance amount, whichever is greater
Apply Now

Business Visa

Credit Line
$10,000 to $50,000
APR
A variable rate that adjusts to the prime interest rate plus a rate margin
Rewards
None
Grace Period
25 day grace period on purchases
Cash Advance Fee
$10 or 3% of the cash advance amount, whichever is greater
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