Sierra Central Credit Union Welcome! Sierra Central is a credit union with 18 branch locations throughout Northern California. Our commitment is to continue being the Best of Banking Where You Live and Work! We offer low and no cost checking accounts that include online, mobile banking and mobile deposit. We offer auto loans, recreational vehicle loans, personal loans and home loans. Our home loans include first mortgages and home equity loans and lines of credit. Plus Sierra Central Checking accounts offer access to almost 30,000 ATMs nationwide through the Co-Op ATM Network. It is time to start “Checking” with Sierra Central for all your banking needs.