Home state: Nevada
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    Lends in 4 states

    SIERRA PACIFIC mortgage rates

    SIERRA PACIFIC's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track SIERRA PACIFIC daily and refresh rates every morning.

    Rates as of Sep 10, 2026

    Today's rates from SIERRA PACIFIC

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%7.108%Sep 10, 2026Visit
    15 Year Fixed6.25%6.483%Sep 10, 2026Visit

    Rate history

    Lowest daily rate SIERRA PACIFIC advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join SIERRA PACIFIC

    Sierra Pacific Credit Union offers membership to employees and members of various partner organizations like NV Energy, Costco, and Southwest Gas. Anyone else can also join by becoming a member of the Nevada Alumni Association.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    NV Energy, Southwest Gas, St. Mary's, Mars, A-1 Steel, Inc., Costco, Q&D Construction, Tanamera, Elemental LED, Dr. Paas’ Office, EM Research, Inc., Ensemble Real Estate Services LLC
    Association / SEG
    Nevada Alumni Association, Teamsters Union Local 533, Associated General Contractors, Nevada

    Where SIERRA PACIFIC writes mortgages

    SIERRA PACIFIC publishes mortgage lending in 4 states.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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