Checking & Savings
Everyday accounts with no monthly fees and no fine-print surprises.
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Member-owned since 1949
Banking held to a higher standard.
For over seventy years, Sterling has earned its name the hard way: with steady rates, personal service, and a promise we keep.
Deposits federally insured to at least $250,000 by NCUA.
What we offer
Every account, backed by a relationship.
Steady products and people who know your name. Explore what fits where you are.
Certificates & IRAs
Lock in a guaranteed return with terms up to 4.35% APY, federally insured.
Learn moreMortgages
Purchase, refinance, and home equity from lenders who live here too.
Learn moreAuto Loans
Competitive rates with decisions made by neighbors, not algorithms.
Learn moreCredit Cards
A low fixed rate, no annual fee, and rewards that suit real budgets.
Learn moreWealth & Retirement
Sit down with a local advisor and build a plan you understand.
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Featured rate
A guaranteed return, the time-honored way.
Share certificates are the steady, predictable way to grow savings. Choose a term, lock your rate, and let federally insured interest do the work.
12mo 4.00%24mo 4.15%30mo 4.35%48mo 4.20%
30-month certificate, as of 07/16/26
4.35% APY
Share Certificate Special
Open a certificate View all rates →APY = Annual Percentage Yield, accurate as of 07/16/26 and subject to change. A penalty may be imposed for early withdrawal. $500 minimum to open. Federally insured by NCUA.
The cooperative difference
Owned by members. Answerable to no one else.
Sterling was chartered in 1949 by a group of local workers who pooled their savings so their neighbors could borrow with dignity. We are still not-for-profit, still member-owned, and still returning our earnings to the people we serve.
Seventy-five years on, that promise has only grown stronger, with more people standing behind it.
75
years member-owned
71,000
members and families
$5.2M
returned to members in 2025
18
branches across the region
Membership
Three ways to become eligible.
Most people in the region already qualify. Here is how membership works.
Community
Live or work locally
If you live, work, worship, or attend school in our 14-town field of membership, you are eligible.
Employer
Through your employer
Hundreds of area employers partner with Sterling. Yours may already be on the list.
Family
Family of a member
If a relative banks with Sterling, you can join too. Membership runs in the family.
"My parents banked at Sterling, I bank here, and now my son has his first account here. Three generations, one credit union that has never once treated us like a number."
NCUA insured to $250,000
Equal Housing Lender
A+ rated by Bauer Financial
Member-owned since 1949