What are the current interest rates at Santa Cruz Community Credit Union?

Current rates for Santa Cruz Community Credit Union include: 12-Month CD: 2.50%, 18-Month CD: 2.75%, 24-Month CD: 2.65%, 60-Month CD: 0.45%, Savings: 0.04%, MMA: 1.25%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Santa Cruz Community Credit Union

iAdvertiser Disclosure

Santa Cruz Community Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Santa Cruz Community Credit Union's 15 Month CD rates are at 2.94%, 15 month CD of Deposit rates are at 2.90%, 13 Month CD rates are at 2.89%, 13 month CD of Deposit rates are at 2.85%, 7 Month CD rates are at 2.80%. Santa Cruz Community Credit Union's savings rates are at 0.04%. Santa Cruz Community Credit Union's money market rates are at 1.25%. Santa Cruz Community Credit Union's Personal Loan Rates are as low as 9.99%. 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 2.76%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.76%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Santa Cruz Community Credit Union
Santa Cruz Branch

55 River St
Santa Cruz, CA 95060-4568

https://scccu.org

Santa Cruz Community Credit Union CD Rates

Product	Rate	APY	Term
15 Month Certificate	2.90%	2.94%	15 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
15 month Certificate of Deposit	2.90%	2.90%	15 Months
Min Deposit $500 Details APY*= Annual Percentage Yield. The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. The minimum deposit is $500. The maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after the automatic renewal of seven (7) days will apply. Thereafter, withdrawals of the principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership is required. Rates are subject to change. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
13 Month Certificate	2.85%	2.89%	13 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
13 month Certificate of Deposit	2.85%	2.85%	13 Months
Min Deposit $500 Details APY*= Annual Percentage Yield. The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. The minimum deposit is $500. The maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after the automatic renewal of seven (7) days will apply. Thereafter, withdrawals of the principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership is required. Rates are subject to change. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
7 Month Certificate	2.76%	2.80%	7 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
18 Month Certificate	2.75%	2.79%	18 Months
Min Deposit $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
7 month Certificate of Deposit	2.76%	2.76%	7 Months
Min Deposit $500 Details APY*= Annual Percentage Yield. The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. The minimum deposit is $500. The maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after the automatic renewal of seven (7) days will apply. Thereafter, withdrawals of the principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership is required. Rates are subject to change. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
18 month Individual Retirement Account	2.75%	2.75%	18 Months
Min Deposit $100 Details APY*= Annual Percentage Yield. There is an early withdrawal penalty on IRA accounts. The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fees, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account. Federally insured by the NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
24 Month Certificate	2.65%	2.69%	24 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
24 Month Certificate	2.65%	2.69%	24 Months
Min Deposit $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
24 month Certificate of Deposit	2.65%	2.65%	24 Months
Min Deposit $500 Details APY*= Annual Percentage Yield. The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. The minimum deposit is $500. The maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after the automatic renewal of seven (7) days will apply. Thereafter, withdrawals of the principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership is required. Rates are subject to change. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
24 month Individual Retirement Account	2.65%	2.65%	24 Months
Min Deposit $100 Details APY*= Annual Percentage Yield. There is an early withdrawal penalty on IRA accounts. The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fees, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account. Federally insured by the NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
11 Month Certificate	2.50%	2.53%	11 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
12 Month Certificate	2.50%	2.53%	12 Months
Min Deposit $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
11 month Certificate of Deposit	2.50%	2.50%	11 Months
Min Deposit $500 Details APY*= Annual Percentage Yield. The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. The minimum deposit is $500. The maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after the automatic renewal of seven (7) days will apply. Thereafter, withdrawals of the principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership is required. Rates are subject to change. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
12 month Individual Retirement Account	2.50%	2.50%	12 Months
Min Deposit $100 Details APY*= Annual Percentage Yield. There is an early withdrawal penalty on IRA accounts. The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fees, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account. Federally insured by the NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
6 Month Certificate	2.25%	2.28%	6 Months
Min Deposit $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
6 month Individual Retirement Account	2.25%	2.25%	6 Months
Min Deposit $100 Details APY*= Annual Percentage Yield. There is an early withdrawal penalty on IRA accounts. The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fees, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account. Federally insured by the NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
9 Month Certificate	2.00%	2.02%	9 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
9 month Certificate of Deposit	2.00%	2.00%	9 Months
Min Deposit $500 Details APY*= Annual Percentage Yield. The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. The minimum deposit is $500. The maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after the automatic renewal of seven (7) days will apply. Thereafter, withdrawals of the principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership is required. Rates are subject to change. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
48 Month Certificate	1.00%	1.00%	48 Months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
48 month Individual Retirement Account	1.00%	1.00%	48 Months
Min Deposit $1,000 Details APY*= Annual Percentage Yield. There is an early withdrawal penalty on IRA accounts. The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fees, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account. Federally insured by the NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
36 Month Certificate	0.85%	0.85%	36 Months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
36 month Individual Retirement Account	0.85%	0.85%	36 Months
Min Deposit $1,000 Details APY*= Annual Percentage Yield. There is an early withdrawal penalty on IRA accounts. The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fees, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account. Federally insured by the NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
60 Month Certificate	0.45%	0.45%	60 Months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
60 month Individual Retirement Account	0.45%	0.45%	60 Months
Min Deposit $1,000 Details APY*= Annual Percentage Yield. There is an early withdrawal penalty on IRA accounts. The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fees, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account. Federally insured by the NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%

Santa Cruz Community Credit Union Savings Rates

Product	Rate	APY
Super D'per Savings	1.54%	1.55%
Min Deposit $100 Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Super D'per Savings	1.54%	1.54%
Min Deposit $100 Min Balance $100 Details APY=Annual Percentage Yield. *A minimum balance is required to earn the stated APY. ^Certain restrictions apply. Click here for details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Holiday Club Savings	1.04%	1.04%
Min Deposit $10 Min Balance $10 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Regular Savings	0.04%	0.04%
Min Deposit $5 Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%

Santa Cruz Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.25%	1.26%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Money Market	1.25%	1.26%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Money Market	1.25%	1.26%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Money Market	1.25%	1.25%
Min Deposit $2,500 Min Balance $2,500 Details APY=Annual Percentage Yield. *A minimum balance is required to earn the stated APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%

Santa Cruz Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	4.49%	-	4.49%	48 months
Details FICO Range: 740+; LTV: 135% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	4.99%	-	4.99%	60 months
Details FICO Range: 740+; LTV: 135% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	5.49%	-	5.49%	72 months*
Details FICO Range: 740+; LTV: 135% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	5.49%	-	5.49%	48 months
Details FICO Range: 700-739; LTV: 125% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Used Auto Loan	5.49%	-	5.49%	48 Months
Details Credit Score: 740+; LTV: 135%; Add 1% for vehicles 7+ years old and 1% for vehicles with 100,000 miles or more. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	5.74%	-	5.74%	60 months
Details FICO Range: 700-739; LTV: 125% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	5.99%	-	5.99%	84 months**
Details FICO Range: 740+; LTV: 135% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	-	-	5.99%	Up to 120 Months
Details FICO Range: 740+; LTV: 100% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Used Auto Loan	5.99%	-	5.99%	60 Months
Details Credit Score: 740+; LTV: 135%; Add 1% for vehicles 7+ years old and 1% for vehicles with 100,000 miles or more. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	6.49%	-	6.49%	72 months*
Details FICO Range: 700-739; LTV: 125% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	6.49%	-	6.49%	48 months
Details FICO Range: 655-699; LTV: 120% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Used Auto Loan	6.49%	-	6.49%	72 Months*
Details Credit Score: 740+; LTV: 135%; *Minimum loan amount of $15,000 required. Add 1% for vehicles 7+ years old and 1% for vehicles with 100,000 miles or more. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	6.99%	-	6.99%	84 months**
Details FICO Range: 700-739; LTV: 125% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	6.99%	-	6.99%	60 months
Details FICO Range: 655-699; LTV: 120% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	-	-	6.99%	120 Months
Details FICO Range: 740+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Used Auto Loan	6.99%	-	6.99%	84 Months**
Details Credit Score: 740+; LTV: 135%; **Minimum loan amount of $25,000 required. Add 1% for vehicles 7+ years old and 1% for vehicles with 100,000 miles or more. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	-	-	7.00%	Up to 120 Months
Details FICO Range: 700-739; LTV: 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	7.49%	-	7.49%	72 months*
Details FICO Range: 655-699; LTV: 120% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	7.74%	-	7.74%	48 months
Details FICO Range: 625-654; LTV: 115% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	-	-	7.74%	120 Months
Details FICO Range: 700-739 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	7.99%	-	7.99%	84 months**
Details FICO Range: 655-699; LTV: 120% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	7.99%	-	7.99%	60 months
Details FICO Range: 625-654; LTV: 115% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	-	-	8.49%	180 Months
Details FICO Range: 740+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	-	-	8.49%	120 Months
Details FICO Range: 655-699 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	8.74%	-	8.74%	72 months*
Details FICO Range: 625-654; LTV: 115% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	-	-	9.24%	180 Months
Details FICO Range: 700-739 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	9.49%	-	9.49%	84 months**
Details FICO Range: 625-654; LTV: 115% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	-	-	9.99%	180 Months
Details FICO Range: 655-699 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	10.74%	-	10.74%	48 months
Details FICO Range: 570-624; LTV: 100% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	-	-	10.74%	Up to 120 Months
Details FICO Range: 655-699; LTV: 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	11.24%	-	11.24%	60 months
Details FICO Range: 570-624; LTV: 100% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	12.74%	-	12.74%	72 months*
Details FICO Range: 570-624; LTV: 100% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	13.24%	-	13.24%	48 months
Details FICO Range: <570; LTV: 90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	13.74%	-	13.74%	60 months
Details FICO Range: <570; LTV: 90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Auto Loan	15.24%	-	15.24%	72 months*
Details FICO Range: <570; LTV: 90% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%

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

Product	Rate	APR	Term
Motorcycle Loan	5.49%	5.49%	48 Months
Details Credit Score: 740+; LTV: 135%; Add 1% to the stated rates above. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Motorcycle Loan	5.99%	5.99%	60 Months
Details Credit Score: 740+; LTV: 135%; Add 1% to the stated rates above. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
RV/Boat Loan	5.99%	5.99%	Up to 120 Months
Details Credit Score: 740+; LTV 100%; Minimum loan amount of $45,000 for up to 180 months and maximum loan amount of $100,000, excluding tax & license. Must use NADA retail value. Collateral must not be more than 5 years old. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Motorcycle Loan	6.49%	6.49%	72 Months*
Details Credit Score: 740+; LTV: 135%; *Minimum loan amount of $15,000 required. Add 1% to the stated rates above. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Motorcycle Loan	6.99%	6.99%	84 Months**
Details Credit Score: 740+; LTV: 135%; **Minimum loan amount of $25,000 required. Add 1% to the stated rates above. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
RV/Boat Loan	7.00%	7.00%	Up to 120 Months
Details Credit Score: 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. Must use NADA retail value. Collateral must not be more than 5 years old. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
RV/Boat Loan	10.74%	10.74%	Up to 120 Months
Details Credit Score: 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. Must use NADA retail value. Collateral must not be more than 5 years old. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%

Santa Cruz Community Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.99%	36 Months
Details FICO Range: 740+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Personal Loan	9.99%	48 Months
Details FICO Range: 740+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Personal Loan	10.99%	36 Months
Details FICO Range: 700-739 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Personal Loan	10.99%	48 Months
Details FICO Range: 700-739 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Personal Loan	12.99%	36 Months
Details FICO Range: 655-699 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Personal Loan	12.99%	48 Months
Details FICO Range: 655-699 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Personal Loan	16.99%	36 Months
Details FICO Range: 625-654 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%

Santa Cruz Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Bicycle Loan	5.75%	-	5.75%	36 Months
Details Credit Score: 740+; LTV 115%; Max Loan $7,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Bicycle Loan	6.75%	-	6.75%	48 Months
Details Credit Score: 740+; LTV 115%; Max Loan $7,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Bicycle Loan	5.99%	-	5.99%	36 Months
Details Credit Score: 700-739; LTV 115%; Max Loan $7,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Bicycle Loan	7.99%	-	7.99%	48 Months
Details Credit Score: 700-739; LTV 115%; Max Loan $7,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Bicycle Loan	6.99%	-	6.99%	36 Months
Details Credit Score: 655-699; LTV 110%; Max Loan $7,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Bicycle Loan	8.99%	-	8.99%	48 Months
Details Credit Score: 655-699; LTV 110%; Max Loan $7,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Bicycle Loan	9.99%	-	9.99%	36 Months
Details Credit Score: 625-654; LTV 100%; Max Loan $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Bicycle Loan	11.99%	-	11.99%	48 Months
Details Credit Score: 625-654; LTV 100%; Max Loan $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Bicycle Loan	13.99%	-	13.99%	36 Months
Details Credit Score: 570-624; LTV 100%; Max Loan $3,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Solar Loan	6.99%	-	6.99%	120 Months
Details Credit Score: 740+; Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum loan amount is $100,000. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Solar Loan	8.49%	-	8.49%	180 Months
Details Credit Score: 740+; Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum loan amount is $100,000. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Solar Loan	7.74%	-	7.74%	120 Months
Details Credit Score: 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Solar Loan	9.24%	-	9.24%	180 Months
Details Credit Score: 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
Solar Loan	9.99%	-	9.99%	180 Months
Details Credit Score: 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
FlexFund+	1.75%	-	1.76%
Min Deposit $500 Min Balance $500 Details Balance: $500 - $4,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
FlexFund+	2.00%	-	2.02%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
FlexFund+	0.04%	-	0.04%
Min Deposit $25,001 Min Balance $25,001 Details Balance: $25,001+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
FlexFund+	1.75%	-	1.75%
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. *A minimum balance is required to earn the stated APY. +You may make up to six monthly withdrawals from a FlexFund account without penalty. See fee schedule for an excessive withdrawal penalty. The FlexFund offers a blended rate for our members. For example, a $4,999 balance earns a blended rate of 1.77% APY, a $25,000 balance earns a balanced rate of 1.97% APY, and a $30,000 balance earns a blended rate of 1.65% APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%
FlexFund+	2.00%	-	2.00%
Min Deposit $5,000 Min Balance $5,000 Details APY=Annual Percentage Yield. *A minimum balance is required to earn the stated APY. +You may make up to six monthly withdrawals from a FlexFund account without penalty. See fee schedule for an excessive withdrawal penalty. The FlexFund offers a blended rate for our members. For example, a $4,999 balance earns a blended rate of 1.77% APY, a $25,000 balance earns a balanced rate of 1.97% APY, and a $30,000 balance earns a blended rate of 1.65% APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.76%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Santa Cruz Community Credit Union’s Texas Ratio fell from 4.21% in Q2 2023 to 2.76% in Q1 2026, so its financial health has improved and is now 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$174M	2.76%	5.0	A+
December 31, 2025	$176M	3.02%	5.0	A+
September 30, 2025	$179M	2.13%	5.0	A+
June 30, 2025	$181M	2.55%	5.0	A+
March 31, 2025	$188M	2.96%	5.0	A+
December 31, 2024	$186M	3.16%	5.0	A+
September 30, 2024	$188M	4.16%	5.0	A+
June 30, 2024	$189M	4.60%	5.0	A+
March 31, 2024	$188M	2.08%	5.0	A+
December 31, 2023	$192M	3.07%	5.0	A+
September 30, 2023	$196M	4.51%	5.0	A+
June 30, 2023	$190M	4.21%	5.0	A+

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 46

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+ (99/100)

Texas Ratio

2.76%

Return on Assets (ROA)

-0.1851%

Return on Equity (ROE)

-1.7346%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

174,346,238

Total Amount of Shares and Deposits

150,260,101

Total Shares and Deposits < 1 Year

147,684,930

Total Shares and Deposits 1 3 Years

2,400,770

Total Shares and Deposits > 3 Years

174,401

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

18,027,557

Total Uninsured Shares and Deposits > $250K (F+J)

19,076,921

Total Insured Shares and Deposits > $250K (item 17 less item K)

131,183,180

Total Interest Expense (Sum of items 6 8)

321,300

Share Certificates

638

Number of Accounts for Share Drafts

5,351

IRA KEOGH Accounts

155

Number of Accounts for Regular Shares

15,733

Non Member Deposits

Money Market Shares

331

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)

13,916,856

Total Liabilities

157,138,904

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Santa Cruz Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/santa-cruz-community-credit-union-rates-review-64029">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Santa Cruz Community Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Santa Cruz Community Credit Union

Frequently Asked Questions About Santa Cruz Community Credit Union

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.

Current Santa Cruz Community Credit Union Rates

12-Month CD2.50%
18-Month CD2.75%
24-Month CD2.65%
60-Month CD0.45%
Savings0.04%
MMA1.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Santa Cruz Community Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Santa Cruz Community Credit Union Texas Ratio

Santa Cruz Community Credit Union Health Trend

Santa Cruz Community Credit Union CD Rates

Santa Cruz Community Credit Union Savings Rates

Santa Cruz Community Credit Union Money Market Rates

Santa Cruz Community Credit Union Auto Loan Rates

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

Santa Cruz Community Credit Union Personal Loan Rates

Santa Cruz Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Santa Cruz Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Santa Cruz Community Credit Union

How many branches does Santa Cruz Community Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Current Santa Cruz Community Credit Union Rates

Compare to Other Credit Unions