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 Santa Cruz Community Credit Union Rates & Review August 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 and Verified: August 28, 2026
Santa Cruz Community Credit Union's 7 month rates are at 3.30%, 15 month rates are at 2.94%, 13 month rates are at 2.89%, 18 month rates are at 2.79%, 24 month rates are at 2.69%. Santa Cruz Community Credit Union's savings rates are at 0.04%. Santa Cruz Community Credit Union's money market rates are at 1.50%. Santa Cruz Community Credit Union's Personal Loan Rates are at 4.49%. 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 2.13%. Rates last updated and verified on 08/28/2026. 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. Santa Cruz Community Credit Union
Santa Cruz Community CU Main 324 Front St
https://scccu.org Santa Cruz, CA 95060 4502 
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
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.13%
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
8
Money Market Shares
296
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)
12,624,032
Total Liabilities
161,406,416
Source: NCUA — Last Updated 09/30/2025
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.
Add Your Rating and Review for Santa Cruz Community Credit Union
Frequently Asked Questions About Santa Cruz Community Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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