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Santa Cruz Community Credit Union

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Santa Cruz Community Credit Union Rates & Review April 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: April 25, 2026

Santa Cruz Community Credit Union's Personal Loan Rates are at 9.74%. 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 2.29%. Rates were last updated on 04/25/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.29%

Excellent Lower than avg

Santa Cruz Community Credit Union
Santa Cruz Community CU Main

324 Front St
Santa Cruz, CA 95060 4502

https://scccu.org

Santa Cruz Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HELOC	-	-	2.99%	6
Details Intro rate expires: 6 months; initial draw of $50,000; No lender or annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%

Santa Cruz Community Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal loans	-	9.74%
Details As Low As; Sometimes life calls for a little extra flexibility. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%

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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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 324 Front St, Santa Cruz, CA 95060 4502

Phone 831-425-7708

Fax 831-425-4789

President Elaine Johnson

CEO Beth Carr

Full-Time Employees 47

Part-Time Employees 1

Branch Locations 3

ATM Locations 4

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

2.29%

Return on Assets (ROA)

-0.5069%

Return on Equity (ROE)

-4.6581%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

179,229,445

Total Amount of Shares and Deposits

154,693,487

Total Shares and Deposits < 1 Year

148,175,227

Total Shares and Deposits 1 3 Years

6,321,728

Total Shares and Deposits > 3 Years

196,532

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

18,098,334

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

19,147,519

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

135,545,968

Total Interest Expense (Sum of items 6 8)

1,307,245

Share Certificates

635

Number of Accounts for Share Drafts

5,377

IRA KEOGH Accounts

155

Number of Accounts for Regular Shares

15,580

Non Member Deposits

Money Market Shares

296

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

12,624,032

Total Liabilities

161,406,416

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Santa Cruz Community Credit Union

Is Santa Cruz Community Credit Union a safe place to deposit money?

Yes, Santa Cruz Community Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2860876316503%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.