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Santa Cruz Community Credit Union Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Santa Cruz Community Credit Union's 15 Month CD of Deposit rates are at 2.94%, 13 Month CD of Deposit rates are at 2.89%, 7 Month CD of Deposit rates are at 2.80%, 24 Month CD of Deposit rates are at 2.69%, 11 Month CD of Deposit rates are at 2.53%. Santa Cruz Community Credit Union's savings rates are at 1.55%. Santa Cruz Community Credit Union's money market rates are at 1.26%. Santa Cruz Community Credit Union's Personal Loan Rates are as low as 6.99%. Santa Cruz Community Credit Union's CD rates are 33% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Santa Cruz Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.65%. Rates last updated and verified on 10/29/2026.

Santa Cruz Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Santa Cruz Community Credit Union? Share your experience about Santa Cruz Community Credit Union by leaving a review below, or read customer reviews before you decide to use Santa Cruz Community Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.65%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Santa Cruz Community Credit Union
Santa Cruz Branch
55 River St
Santa Cruz, CA 95060-4568
https://scccu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Santa Cruz Community Credit Union CD Rates

Product Rate APY Term View More
15 Month Certificate of Deposit 2.90% 2.94% 15 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000; membership required
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.94% APY · checked 2 times
2.44%2.94%3.44%Oct 19, 2026: 2.94% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
13 Month Certificate of Deposit 2.85% 2.89% 13 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000; membership required
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 19, 2026: 2.89% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
7 Month Certificate of Deposit 2.76% 2.80% 7 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000; membership required
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 19, 2026: 2.80% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
18 Month IRA Certificate 2.75% 2.79% 18 Months
Min Deposit $100
Details Early withdrawal penalty applies
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 2.79% APY · checked 3 times
2.29%2.79%3.29%Oct 9, 2026: 2.79% APYOct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Individual Retirement Accounts - 18 month 2.75% 2.79% 18 Months
Min Deposit $100
Last Updated 10/29/2026
Rate History
1 change since Sep 22, 2026 · 2.75% → 2.79% ▲ 0.04 pts · high 2.79% / low 2.75%
2.25%2.77%3.29%Sep 22, 2026: 2.75% APYOct 13, 2026: 2.79% APYSep 22, 2026Nov 2, 2026
  • Oct 13, 20262.79%▲ from 2.75%
  • Sep 22, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
24 Month Certificate of Deposit 2.65% 2.69% 24 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000; membership required
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.69% APY · checked 2 times
2.19%2.69%3.19%Oct 19, 2026: 2.69% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
24 Month IRA Certificate 2.65% 2.69% 24 Months
Min Deposit $100
Details Early withdrawal penalty applies
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 2.69% APY · checked 3 times
2.19%2.69%3.19%Oct 9, 2026: 2.69% APYOct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Individual Retirement Accounts - 24 month 2.65% 2.69% 24 Months
Min Deposit $100
Last Updated 10/29/2026
Rate History
1 change since Sep 22, 2026 · 2.65% → 2.69% ▲ 0.04 pts · high 2.69% / low 2.65%
2.15%2.67%3.19%Sep 22, 2026: 2.65% APYOct 13, 2026: 2.69% APYSep 22, 2026Nov 2, 2026
  • Oct 13, 20262.69%▲ from 2.65%
  • Sep 22, 20262.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
11 Month Certificate of Deposit 2.50% 2.53% 11 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000; membership required
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 19, 2026: 2.53% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
12 Month IRA Certificate 2.50% 2.53% 12 Months
Min Deposit $100
Details Early withdrawal penalty applies
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 2.53% APY · checked 3 times
2.03%2.53%3.03%Oct 9, 2026: 2.53% APYOct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Individual Retirement Accounts - 12 month 2.50% 2.53% 12 Months
Min Deposit $100
Last Updated 10/29/2026
Rate History
1 change since Sep 22, 2026 · 2.50% → 2.53% ▲ 0.03 pts · high 2.53% / low 2.50%
2.00%2.51%3.03%Sep 22, 2026: 2.50% APYOct 13, 2026: 2.53% APYSep 22, 2026Nov 2, 2026
  • Oct 13, 20262.53%▲ from 2.50%
  • Sep 22, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
6 Month IRA Certificate 2.25% 2.28% 6 Months
Min Deposit $100
Details Early withdrawal penalty applies
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 2.28% APY · checked 3 times
1.78%2.28%2.78%Oct 9, 2026: 2.28% APYOct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Individual Retirement Accounts - 6 month 2.25% 2.28% 6 Months
Min Deposit $100
Last Updated 10/29/2026
Rate History
1 change since Sep 22, 2026 · 2.25% → 2.28% ▲ 0.03 pts · high 2.28% / low 2.25%
1.75%2.26%2.78%Sep 22, 2026: 2.25% APYOct 13, 2026: 2.28% APYSep 22, 2026Nov 2, 2026
  • Oct 13, 20262.28%▲ from 2.25%
  • Sep 22, 20262.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
9 Month Certificate of Deposit 2.00% 2.02% 9 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000; membership required
Last Updated 10/29/2026
Rate History
No change since Oct 19, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 19, 2026: 2.02% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
48 Month IRA Certificate 1.00% 1.00% 48 Months
Min Deposit $1,000
Details Early withdrawal penalty applies
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 9, 2026: 1.00% APYOct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Individual Retirement Accounts - 48 month 1.00% 1.00% 48 Months
Min Deposit $1,000
Last Updated 10/29/2026
Rate History
No change since Sep 22, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 22, 2026: 1.00% APYSep 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
36 Month IRA Certificate 0.85% 0.85% 36 Months
Min Deposit $1,000
Details Early withdrawal penalty applies
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 0.85% APY · checked 3 times
0.35%0.85%1.35%Oct 9, 2026: 0.85% APYOct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Individual Retirement Accounts - 36 month 0.85% 0.85% 36 Months
Min Deposit $1,000
Last Updated 10/29/2026
Rate History
No change since Sep 22, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Sep 22, 2026: 0.85% APYSep 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
60 Month IRA Certificate 0.45% 0.45% 60 Months
Min Deposit $1,000
Details Early withdrawal penalty applies
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 0.45% APY · checked 3 times
0.00%0.48%0.95%Oct 9, 2026: 0.45% APYOct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Individual Retirement Accounts - 60 month 0.45% 0.45% 60 Months
Min Deposit $1,000
Last Updated 10/29/2026
Rate History
No change since Sep 22, 2026 · 0.45% APY · checked 5 times
0.00%0.48%0.95%Sep 22, 2026: 0.45% APYSep 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%

Santa Cruz Community Credit Union Savings Rates

Product Rate APY View More
Super D'per Savings 1.54% 1.55%
Min Deposit $100
Min Balance $100
Details Up to six monthly withdrawals without penalty; see fee schedule for excessive withdrawal penalty
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 9 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Holiday Club Savings 1.04% 1.04%
Min Deposit $10
Min Balance $10
Details Certain restrictions apply
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.04% APY · checked 9 times
0.54%1.04%1.54%Sep 14, 2026: 1.04% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Regular Savings 0.04% 0.04%
Min Deposit $5
Min Balance $100
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 9 times
0.00%0.27%0.54%Sep 14, 2026: 0.04% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%

Santa Cruz Community Credit Union Money Market Rates

Product Rate APY View More
Money Market 1.25% 1.26%
Min Deposit $2,500
Min Balance $2,500
Details Balance: $2,500 - $9,999
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 8 times
0.76%1.26%1.76%Sep 18, 2026: 1.26% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Money Market 1.25% 1.26%
Min Deposit $10,000
Min Balance $10,000
Details Balance: $10,000 - $24,999
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 8 times
0.76%1.26%1.76%Sep 18, 2026: 1.26% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Money Market 1.25% 1.26%
Min Deposit $25,000
Min Balance $25,000
Details Balance: $25,000 +
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 8 times
0.76%1.26%1.76%Sep 18, 2026: 1.26% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%

Santa Cruz Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan 4.74% - 4.74% 48 Months
Details FICO Range: 740+; LTV: 135%
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 5.24% - 5.24% 60 Months
Details FICO Range: 740+; LTV: 135%
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APROct 9, 2026: 5.24% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 5.74% - 5.74% 72 Months
Details FICO Range: 740+; LTV: 135%; Minimum loan amount $15,000 required
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.49% → 5.74% ▼ 1.75 pts · high 7.49% / low 5.49%
3.49%6.49%9.49%Sep 14, 2026: 7.49% APRSep 18, 2026: 5.49% APROct 9, 2026: 5.74% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20265.74%▲ from 5.49%
  • Sep 18, 20265.49%▼ from 7.49%
  • Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 5.74% - 5.74% 48 Months
Details FICO Range: 700-739; LTV: 125%
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 4.49% → 5.74% ▲ 1.25 pts · high 5.74% / low 4.49%
3.24%5.12%6.99%Sep 14, 2026: 4.49% APRSep 22, 2026: 5.49% APROct 9, 2026: 5.74% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20265.74%▲ from 5.49%
  • Sep 22, 20265.49%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 5.99% - 5.99% 60 Months
Details FICO Range: 700-739; LTV: 125%
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 14, 2026: 5.74% APROct 9, 2026: 5.99% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20265.99%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 6.24% - 6.24% 84 Months
Details FICO Range: 740+; LTV: 135%; Minimum loan amount $25,000 required
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 9.49% → 6.24% ▼ 3.25 pts · high 9.49% / low 5.99%
2.49%7.74%12.99%Sep 14, 2026: 9.49% APRSep 18, 2026: 5.99% APROct 9, 2026: 6.24% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20266.24%▲ from 5.99%
  • Sep 18, 20265.99%▼ from 9.49%
  • Sep 14, 20269.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 6.74% - 6.74% 72 Months
Details FICO Range: 700-739; LTV: 125%; Minimum loan amount $15,000 required
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.49% → 6.74% ▼ 0.75 pts · high 7.49% / low 6.49%
5.49%6.99%8.49%Sep 14, 2026: 7.49% APRSep 18, 2026: 6.49% APROct 9, 2026: 6.74% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20266.74%▲ from 6.49%
  • Sep 18, 20266.49%▼ from 7.49%
  • Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 6.74% - 6.74% 48 Months
Details FICO Range: 655-699; LTV: 120%
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 4.49% → 6.74% ▲ 2.25 pts · high 6.74% / low 4.49%
2.24%5.62%8.99%Sep 14, 2026: 4.49% APRSep 22, 2026: 6.49% APROct 9, 2026: 6.74% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20266.74%▲ from 6.49%
  • Sep 22, 20266.49%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 7.24% - 7.24% 84 Months
Details FICO Range: 700-739; LTV: 125%; Minimum loan amount $25,000 required
Last Updated 10/29/2026
Rate History
3 changes since Sep 14, 2026 · 9.49% → 7.24% ▼ 2.25 pts · high 9.49% / low 5.99%
2.49%7.74%12.99%Sep 14, 2026: 9.49% APRSep 18, 2026: 5.99% APRSep 22, 2026: 6.99% APROct 9, 2026: 7.24% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20267.24%▲ from 6.99%
  • Sep 22, 20266.99%▲ from 5.99%
  • Sep 18, 20265.99%▼ from 9.49%
  • Sep 14, 20269.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 7.24% - 7.24% 60 Months
Details FICO Range: 655-699; LTV: 120%
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 5.74% → 7.24% ▲ 1.50 pts · high 7.24% / low 5.74%
4.24%6.49%8.74%Sep 14, 2026: 5.74% APRSep 22, 2026: 6.99% APROct 9, 2026: 7.24% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20267.24%▲ from 6.99%
  • Sep 22, 20266.99%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 7.74% - 7.74% 72 Months
Details FICO Range: 655-699; LTV: 120%; Minimum loan amount $15,000 required
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49%
6.99%7.62%8.24%Sep 14, 2026: 7.49% APROct 9, 2026: 7.74% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20267.74%▲ from 7.49%
  • Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 7.99% - 7.99% 48 Months
Details FICO Range: 625-654; LTV: 115%
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 10.74% → 7.99% ▼ 2.75 pts · high 10.74% / low 7.74%
4.74%9.24%13.74%Sep 14, 2026: 10.74% APRSep 22, 2026: 7.74% APROct 9, 2026: 7.99% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20267.99%▲ from 7.74%
  • Sep 22, 20267.74%▼ from 10.74%
  • Sep 14, 202610.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 8.24% - 8.24% 84 Months
Details FICO Range: 655-699; LTV: 120%; Minimum loan amount $25,000 required
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 9.49% → 8.24% ▼ 1.25 pts · high 9.49% / low 7.99%
6.49%8.74%10.99%Sep 14, 2026: 9.49% APRSep 18, 2026: 7.99% APROct 9, 2026: 8.24% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20268.24%▲ from 7.99%
  • Sep 18, 20267.99%▼ from 9.49%
  • Sep 14, 20269.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 8.24% - 8.24% 60 Months
Details FICO Range: 625-654; LTV: 115%
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 5.74% → 8.24% ▲ 2.50 pts · high 8.24% / low 5.74%
3.24%6.99%10.74%Sep 14, 2026: 5.74% APRSep 22, 2026: 7.99% APROct 9, 2026: 8.24% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20268.24%▲ from 7.99%
  • Sep 22, 20267.99%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 8.99% - 8.99% 72 Months
Details FICO Range: 625-654; LTV: 115%; Minimum loan amount $15,000 required
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74%
8.24%8.87%9.49%Sep 14, 2026: 8.74% APROct 9, 2026: 8.99% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20268.99%▲ from 8.74%
  • Sep 14, 20268.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 9.74% - 9.74% 84 Months
Details FICO Range: 625-654; LTV: 115%; Minimum loan amount $25,000 required
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 9.49% → 9.74% ▲ 0.25 pts · high 9.74% / low 9.49%
8.99%9.62%10.24%Sep 14, 2026: 9.49% APROct 9, 2026: 9.74% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 20269.74%▲ from 9.49%
  • Sep 14, 20269.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 10.99% - 10.99% 48 Months
Details FICO Range: 570-624; LTV: 100%
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 10.74% → 10.99% ▲ 0.25 pts · high 10.99% / low 10.74%
10.24%10.87%11.49%Sep 14, 2026: 10.74% APROct 9, 2026: 10.99% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 202610.99%▲ from 10.74%
  • Sep 14, 202610.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 11.49% - 11.49% 60 Months
Details FICO Range: 570-624; LTV: 100%
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 11.49% / low 11.24%
10.74%11.37%11.99%Sep 14, 2026: 11.24% APROct 9, 2026: 11.49% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 202611.49%▲ from 11.24%
  • Sep 14, 202611.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 12.99% - 12.99% 72 Months
Details FICO Range: 570-624; LTV: 100%; Minimum loan amount $15,000 required
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 12.74% → 12.99% ▲ 0.25 pts · high 12.99% / low 12.74%
12.24%12.87%13.49%Sep 14, 2026: 12.74% APROct 9, 2026: 12.99% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 202612.99%▲ from 12.74%
  • Sep 14, 202612.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 13.49% - 13.49% 48 Months
Details FICO Range: <570; LTV: 90%
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24%
12.74%13.37%13.99%Sep 14, 2026: 13.24% APROct 9, 2026: 13.49% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 202613.49%▲ from 13.24%
  • Sep 14, 202613.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 13.99% - 13.99% 60 Months
Details FICO Range: <570; LTV: 90%
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 13.74% → 13.99% ▲ 0.25 pts · high 13.99% / low 13.74%
13.24%13.87%14.49%Sep 14, 2026: 13.74% APROct 9, 2026: 13.99% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 202613.99%▲ from 13.74%
  • Sep 14, 202613.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Auto Loan 15.49% - 15.49% 72 Months
Details FICO Range: <570; LTV: 90%; Minimum loan amount $15,000 required
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 12.74% → 15.49% ▲ 2.75 pts · high 15.49% / low 12.74%
9.99%14.12%18.24%Sep 14, 2026: 12.74% APRSep 22, 2026: 15.24% APROct 9, 2026: 15.49% APRSep 14, 2026Nov 2, 2026
  • Oct 9, 202615.49%▲ from 15.24%
  • Sep 22, 202615.24%▲ from 12.74%
  • Sep 14, 202612.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%

Santa Cruz Community Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RV/Boat Loans 5.99% 5.99% Up to 120 Months
Details FICO: 740+; LTV: 100%; Minimum loan amount of $45,000 for up to 180 months and maximum loan amount of $100,000, excluding tax & license
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
RV/Boat Loans 7.00% 7.00% Up to 120 Months
Details FICO: 700-739; LTV: 80%; Minimum loan amount of $45,000 for up to 180 months and maximum loan amount of $100,000, excluding tax & license
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 8 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
RV/Boat Loans 10.74% 10.74% Up to 120 Months
Details FICO: 655-699; LTV: 80%; Minimum loan amount of $45,000 for up to 180 months and maximum loan amount of $100,000, excluding tax & license
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 8 times
10.24%10.74%11.24%Sep 14, 2026: 10.74% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%

Santa Cruz Community Credit Union Personal Loan Rates

Product APR Term View More
Solar Loan 6.99% 120 Months
Details FICO Range: 740+; Property Lien required and home must not be under a Trust; $250 loan fee required; Maximum loan amount is $100,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loan 7.74% 120 Months
Details FICO Range: 700-739; Property Lien required and home must not be under a Trust; $250 loan fee required; Maximum loan amount is $100,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 8 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loan 8.49% 180 Months
Details FICO Range: 740+; Property Lien required and home must not be under a Trust; $250 loan fee required; Maximum loan amount is $100,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 8 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loan 8.49% 120 Months
Details FICO Range: 655-699; Property Lien required and home must not be under a Trust; $250 loan fee required; Maximum loan amount is $100,000
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.74% → 8.49% ▲ 0.75 pts · high 8.49% / low 7.74%
6.99%8.12%9.24%Sep 14, 2026: 7.74% APROct 26, 2026: 8.49% APRSep 14, 2026Nov 2, 2026
  • Oct 26, 20268.49%▲ from 7.74%
  • Sep 14, 20267.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loan 9.24% 180 Months
Details FICO Range: 700-739; Property Lien required and home must not be under a Trust; $250 loan fee required; Maximum loan amount is $100,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 9.24% APR · checked 8 times
8.74%9.24%9.74%Sep 14, 2026: 9.24% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan 9.99% 36 Months
Details Credit Score: 740+; Maximum loan amount $25,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan - 36 Months 9.99% 36 months
Details FICO Range: 740+
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 26, 2026: 9.99% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan - 48 Months 9.99% 48 months
Details FICO Range: 740+
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 26, 2026: 9.99% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loan 9.99% 180 Months
Details FICO Range: 655-699; Property Lien required and home must not be under a Trust; $250 loan fee required; Maximum loan amount is $100,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan 10.99% 36 Months
Details Credit Score: 700-739; Maximum loan amount $25,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 9 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan - 36 Months 10.99% 36 months
Details FICO Range: 700-739
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 10.99% APR · checked 2 times
10.49%10.99%11.49%Oct 26, 2026: 10.99% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan - 48 Months 10.99% 48 months
Details FICO Range: 700-739
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 10.99% APR · checked 2 times
10.49%10.99%11.49%Oct 26, 2026: 10.99% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan 12.99% 36 Months
Details Credit Score: 655-699; Maximum loan amount $25,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 9 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan - 36 Months 12.99% 36 months
Details FICO Range: 655-699
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 12.99% APR · checked 2 times
12.49%12.99%13.49%Oct 26, 2026: 12.99% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan - 48 Months 12.99% 48 months
Details FICO Range: 655-699
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 12.99% APR · checked 2 times
12.49%12.99%13.49%Oct 26, 2026: 12.99% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan 16.99% 36 Months
Details Credit Score: 625-654; Maximum loan amount $25,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 16.99% APR · checked 9 times
16.49%16.99%17.49%Sep 14, 2026: 16.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loan - 36 Months 16.99% 36 months
Details FICO Range: 625-654
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 16.99% APR · checked 2 times
16.49%16.99%17.49%Oct 26, 2026: 16.99% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%

Santa Cruz Community Credit Union Other Rates

Product Rate Points APY/APR Term View More
Bicycle Loan 5.75% - 5.75% 36 Months
Details FICO Range: 740+; LTV: 115%; Max Loan: $7,500; Minimum loan amount is $500. May include accessories in financing.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 8 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loan 6.75% - 6.75% 48 Months
Details FICO Range: 740+; LTV: 115%; Max Loan: $7,500; Minimum loan amount is $500. May include accessories in financing.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loan 5.99% - 5.99% 36 Months
Details FICO Range: 700-739; LTV: 115%; Max Loan: $7,500; Minimum loan amount is $500. May include accessories in financing.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loan 7.99% - 7.99% 48 Months
Details FICO Range: 700-739; LTV: 115%; Max Loan: $7,500; Minimum loan amount is $500. May include accessories in financing.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loan 6.99% - 6.99% 36 Months
Details FICO Range: 655-699; LTV: 110%; Max Loan: $7,500; Minimum loan amount is $500. May include accessories in financing.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loan 8.99% - 8.99% 48 Months
Details FICO Range: 655-699; LTV: 110%; Max Loan: $7,500; Minimum loan amount is $500. May include accessories in financing.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 8 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loan 9.99% - 9.99% 36 Months
Details FICO Range: 625-654; LTV: 100%; Max Loan: $5,000; Minimum loan amount is $500. May include accessories in financing.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loan 11.99% - 11.99% 48 Months
Details FICO Range: 625-654; LTV: 100%; Max Loan: $5,000; Minimum loan amount is $500. May include accessories in financing.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 8 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loan 13.99% - 13.99% 36 Months
Details FICO Range: 570-624; LTV: 100%; Max Loan: $3,000; Minimum loan amount is $500. May include accessories in financing.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 13.99% APR · checked 8 times
13.49%13.99%14.49%Sep 14, 2026: 13.99% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Energy Savings Loan 5.75% - 5.75% 60 Months
Details Credit Score: 740+; maximum loan $10,000; energy-efficient needs only
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Energy Savings Loans - 740+ 5.75% - 5.75% 60 Months
Details FICO Range: 740+; Maximum loan amount of $10,000 and maximum term of 60 months. Use only for energy-efficient needs, such as appliances and windows. Proceeds of the loan must be paid directly to the creditor.
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 26, 2026: 5.75% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Certificate of Deposit - 11 Months 2.50% - 2.53% 11 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 26, 2026: 2.53% APYOct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Certificate of Deposit - 13 Months 2.85% - 2.89% 13 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 26, 2026: 2.89% APYOct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Certificate of Deposit - 15 Months 2.90% - 2.94% 15 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 2.94% APY · checked 2 times
2.44%2.94%3.44%Oct 26, 2026: 2.94% APYOct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Certificate of Deposit - 24 Months 2.65% - 2.69% 24 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 2.69% APY · checked 2 times
2.19%2.69%3.19%Oct 26, 2026: 2.69% APYOct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Certificate of Deposit - 7 Months 2.76% - 2.80% 7 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 26, 2026: 2.80% APYOct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Certificate of Deposit - 9 Months 2.00% - 2.02% 9 Months
Min Deposit $500
Details Minimum deposit $500; maximum deposit $250,000
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 26, 2026: 2.02% APYOct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
FlexFund 1.75% - 1.76%
Min Deposit $500
Min Balance $500
Details Balance: $500 - $4,999; Blended rate for members; up to six monthly withdrawals without penalty
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 9 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
FlexFund 2.00% - 2.02%
Min Deposit $5,000
Min Balance $5,000
Details Balance: $5,000 - $25,000; Blended rate for members; up to six monthly withdrawals without penalty
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 9 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
FlexFund 0.04% - 0.04%
Min Deposit $25,001
Min Balance $25,001
Details Balance: $25,001+; Blended rate for members; up to six monthly withdrawals without penalty
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 9 times
0.00%0.27%0.54%Sep 14, 2026: 0.04% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Santa Cruz Community Credit Union’s Texas Ratio fell from 4.51% in Q3 2023 to 3.65% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.6% 2.0★ 3.1% 3.0★ 4.7% 4.0★ 6.2% 5.0★ Healthy zone – entire history below the 15% limit 4.51% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.65% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$172M3.65%5.0A+
March 31, 2026$174M2.76%5.0A+
December 31, 2025$176M3.02%5.0A+
September 30, 2025$179M2.13%5.0A+
June 30, 2025$181M2.55%5.0A+
March 31, 2025$188M2.96%5.0A+
December 31, 2024$186M3.16%5.0A+
September 30, 2024$188M4.16%5.0A+
June 30, 2024$189M4.60%5.0A+
March 31, 2024$188M2.08%5.0A+
December 31, 2023$192M3.07%5.0A+
September 30, 2023$196M4.51%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Santa Cruz Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Santa Cruz Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Santa Cruz Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Santa Cruz Community Credit Union
Website https://scccu.org
Address 55 River St, Santa Cruz, CA 95060-4568
Phone 831-425-7708
Fax 831-425-4789
President Elaine Johnson
CEO Beth Carr
Full-Time Employees 45
Part-Time Employees 0
Branch Locations 3
ATM Locations 3
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.65%
Return on Assets (ROA)
-0.5005%
Return on Equity (ROE)
-4.7414%
Non-Performing Loans Ratio (NPL)
0.52%
Total Assets
172,120,941
Total Amount of Shares and Deposits
148,681,948
Total Shares and Deposits < 1 Year
146,572,240
Total Shares and Deposits 1 3 Years
2,055,759
Total Shares and Deposits > 3 Years
53,949
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,060,960
Total Uninsured Shares and Deposits > $250K (F+J)
16,859,622
Total Insured Shares and Deposits > $250K (item 17 less item K)
131,822,326
Total Interest Expense (Sum of items 6 8)
651,923
Share Certificates
661
Number of Accounts for Share Drafts
5,367
IRA KEOGH Accounts
151
Number of Accounts for Regular Shares
15,864
Non Member Deposits
7
Money Market Shares
345
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,208,868
Total Liabilities
155,451,938
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About Santa Cruz Community Credit Union

Does Santa Cruz Community Credit Union offer CDs?

Yes. Santa Cruz Community Credit Union current CD rates include its 15 Month CD of Deposit at 2.94% APY, its 13 Month CD of Deposit at 2.89% APY and its 7 Month CD of Deposit at 2.80% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Santa Cruz Community Credit Union NCUA insured?

Yes. Santa Cruz Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Santa Cruz Community Credit Union?

The highest Santa Cruz Community Credit Union CD rate is its 15 Month CD of Deposit at 2.94% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Santa Cruz Community Credit Union offer?

Santa Cruz Community Credit Union CD rates are 2.80% APY for a 7 month CD, 2.53% APY for an 11 month CD, 2.53% APY for a 12 month CD, 2.89% APY for a 13 month CD, 2.94% APY for a 15 month CD, 2.79% APY for an 18 month CD, 2.69% APY for a 2 year CD and 0.45% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Santa Cruz Community Credit Union for its full lineup.

What is the highest savings rate at Santa Cruz Community Credit Union?

The highest Santa Cruz Community Credit Union savings rate is its Super D'per Savings at 1.55% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Santa Cruz Community Credit Union?

The highest Santa Cruz Community Credit Union money market rate is its Money Market at 1.26% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Santa Cruz Community Credit Union?

The lowest Santa Cruz Community Credit Union auto loan rate is its Auto Loan at 4.74%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Santa Cruz Community Credit Union?

The lowest Santa Cruz Community Credit Union personal loan rate is its Personal Loan at 9.99%, verified by MonitorBankRates as of October 29, 2026. Santa Cruz Community Credit Union personal loan rates are 9.99% for a 36 month personal loan and 9.99% for a 48 month personal loan.

How many branches does Santa Cruz Community Credit Union operate?

Santa Cruz Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Santa Cruz Community Credit Union?

Yes, to access services at Santa Cruz Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Santa Cruz Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Santa Cruz Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Santa Cruz Community Credit Union offer online and mobile banking?

Most modern institutions like Santa Cruz Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://scccu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Santa Cruz Community Credit Union rates compare?

Santa Cruz Community Credit Union's CD rates are 33% lower than the MonitorBankRates national average, and it has an A+ health rating. Santa Cruz Community Credit Union's top rates are its 15 Month CD of Deposit at 2.94% APY, its Super D'per Savings at 1.55% APY, its Money Market at 1.26% APY and its Solar Loan at 6.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Santa Cruz Community Credit Union Rates

  • 12-Month CD2.53%
  • 18-Month CD2.79%
  • 24-Month CD2.69%
  • 60-Month CD0.45%
  • Savings1.55%
  • MMA1.26%
Retrieved from our database of financial products. Rates subject to change.

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