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 Santa Cruz County Bank Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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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: May 16, 2026
You can compare Santa Cruz County Bank rates to other rates in our database, including 12-month CD rates currently at 3.85%, 6-month CD rates at 3.65% and 3-month CD rates at 0.50%. Savings rates are at 0.10% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to Santa Cruz County Bank rates. MonitorBankRates evaluates the financial stability of Santa Cruz County Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.92%. Rates were last updated on 05/16/2026. Santa Cruz County Bank 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 County Bank? Share your experience about Santa Cruz County Bank by leaving a review below, or read customer reviews before you decide to use Santa Cruz County Bank. 
Current Rate AvailabilityWe do not have Santa Cruz County Bank rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Santa Cruz County Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Santa Cruz County Bank 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 County Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Santa Cruz County Bank
Bank Holding Company
WEST COAST COMMUNITY BCORP
Address
75 River St,
Santa Cruz, CA 95060 · Santa Cruz
Website
https://www.sccountybank.com
FDIC Certificate #
57591
Established
02/03/2004
FDIC Insurance Date
02/03/2004
Domestic Offices
10
Total Branches
10
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
4.92%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
2.0137%
Return on Equity (ROE)
17.0200%
Non-Performing Loans (NPL)
0.37%
Total Assets
$2,883,698,000
Total Deposits
$2,479,075,000
Equity Capital
$382,597,000
Net Income
$52,270,000
Headquarters
Santa Cruz
Total Offices
10
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Add Your Rating and Review for Santa Cruz County Bank
Frequently Asked Questions About Santa Cruz County BankHow many branches does Santa Cruz County Bank operate?Santa Cruz County Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Santa Cruz County Bank 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 County Bank provides members with tools to manage their accounts and build a solid financial history. Does Santa Cruz County Bank offer online and mobile banking?Most modern institutions like Santa Cruz County Bank 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://www.sccountybank.com. Compare to Other Banks
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