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Santa Cruz Community Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
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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.
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 13, 2026
Santa Cruz Community Credit Union's top rates as of October 13, 2026 are 2.94% APY on its 15 Month CDs of Deposit CD, 1.55% APY on savings, 1.26% APY on money market accounts, and personal loans from 8.74% APR, according to rates verified by MonitorBankRates. Other Santa Cruz Community Credit Union CD rates include 13 Month CDs of Deposit at 2.89%, 7 Month CDs of Deposit at 2.80%, and 18 Month IRA CD at 2.79%. 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 10/13/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Santa Cruz Community Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.65%
ExcellentLower than avg
Santa Cruz Community Credit Union Texas Ratio
Santa Cruz Community Credit Union's Texas Ratio is 3.65%, which is considered excellent and is lower than the national average of 6.13%.
Santa Cruz Community Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.51% to 3.65% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Certificates of Deposit
2.90%
2.94%
15 Months
Min Deposit$500
DetailsMinimum deposit $500; maximum deposit $250,000; Membership required
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
13 Month Certificates of Deposit
2.85%
2.89%
13 Months
Min Deposit$500
DetailsMinimum deposit $500; maximum deposit $250,000; Membership required
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
7 Month Certificates of Deposit
2.76%
2.80%
7 Months
Min Deposit$500
DetailsMinimum deposit $500; maximum deposit $250,000; Membership required
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 2.80% ▼ 0.50 pts · high 3.30% / low 2.80%
Sep 18, 20262.80%▼ from 3.30%
Sep 14, 20263.30%first recorded
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
DetailsIndividual Retirement Account; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 2.79% APY · checked 2 times
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
DetailsEarly withdrawal penalty applies to IRA accounts
Last Updated10/13/2026
Rate History
1 change since Sep 22, 2026 · 2.75% → 2.79% ▲ 0.04 pts · high 2.79% / low 2.75%
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 Certificates of Deposit
2.65%
2.69%
24 Months
Min Deposit$500
DetailsMinimum deposit $500; maximum deposit $250,000; Membership required
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 6 times
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
DetailsIndividual Retirement Account; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 2.69% APY · checked 2 times
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
DetailsEarly withdrawal penalty applies to IRA accounts
Last Updated10/13/2026
Rate History
1 change since Sep 22, 2026 · 2.65% → 2.69% ▲ 0.04 pts · high 2.69% / low 2.65%
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 Certificates of Deposit
2.50%
2.53%
11 Months
Min Deposit$500
DetailsMinimum deposit $500; maximum deposit $250,000; Membership required
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
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
DetailsIndividual Retirement Account; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 2.53% APY · checked 2 times
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
DetailsEarly withdrawal penalty applies to IRA accounts
Last Updated10/13/2026
Rate History
1 change since Sep 22, 2026 · 2.50% → 2.53% ▲ 0.03 pts · high 2.53% / low 2.50%
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
DetailsIndividual Retirement Account; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 2.28% APY · checked 2 times
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
DetailsEarly withdrawal penalty applies to IRA accounts
Last Updated10/13/2026
Rate History
1 change since Sep 22, 2026 · 2.25% → 2.28% ▲ 0.03 pts · high 2.28% / low 2.25%
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 Certificates of Deposit
2.00%
2.02%
9 Months
Min Deposit$500
DetailsMinimum deposit $500; maximum deposit $250,000; Membership required
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
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
DetailsIndividual Retirement Account; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 2 times
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
DetailsEarly withdrawal penalty applies to IRA accounts
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 1.00% APY · checked 2 times
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
DetailsIndividual Retirement Account; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.85% APY · checked 2 times
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
DetailsEarly withdrawal penalty applies to IRA accounts
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 0.85% APY · checked 2 times
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
DetailsIndividual Retirement Account; early withdrawal penalty applies
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.45% APY · checked 2 times
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
DetailsEarly withdrawal penalty applies to IRA accounts
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 0.45% APY · checked 2 times
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
DetailsUp to six monthly withdrawals without penalty; Minimum balance required to earn the stated APY
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 6 times
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
DetailsCertain restrictions apply; Minimum balance required to earn the stated APY
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.04% APY · checked 6 times
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
DetailsMinimum balance required to earn the stated APY
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 6 times
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
DetailsBalance: $2,500 - $9,999; Minimum balance required to earn the stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 5 times
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
DetailsBalance: $10,000 - $24,999; Minimum balance required to earn the stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 5 times
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
DetailsBalance: $25,000 +; Minimum balance required to earn the stated APY
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 5 times
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%
48 Months
DetailsFICO Range: 740+; LTV: 135%
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
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%
60 Months
DetailsFICO Range: 740+; LTV: 135%
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
2 changes since Sep 14, 2026 · 12.74% → 15.49% ▲ 2.75 pts · high 15.49% / low 12.74%
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
DetailsFICO: 740+; LTV: 100%; Maximum loan amount of $100,000, excluding tax & license; Must use NADA retail value; Collateral must not be more than 5 years old
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
RV/Boat Loans
7.00%
7.00%
Up to 120 Months
DetailsFICO: 700-739; LTV: 80%; Maximum loan amount of $100,000, excluding tax & license; Must use NADA retail value; Collateral must not be more than 5 years old
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
RV/Boat Loans
10.74%
10.74%
Up to 120 Months
DetailsFICO: 655-699; LTV: 80%; Maximum loan amount of $100,000, excluding tax & license; Must use NADA retail value; Collateral must not be more than 5 years old
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 6 times
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
Personal Loans
8.74%
Up to 36 months
DetailsAs Low As; Requires minimum FICO score of 740 and automatic payment; Good Vibes promotion: approved applicants by August 31, 2026 are entered to win a $100 Statement Credit (certain restrictions apply)
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 9.99% → 8.74% ▼ 1.25 pts · high 9.99% / low 8.74%
Oct 9, 20268.74%▼ from 9.99%
Sep 14, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loans
9.99%
36 Months
DetailsFICO Range: 740+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loans
9.99%
48 Months
DetailsFICO Range: 740+
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 9.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loans
10.99%
36 Months
DetailsFICO Range: 700-739
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loans
10.99%
48 Months
DetailsFICO Range: 700-739
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loans
12.99%
36 Months
DetailsFICO Range: 655-699
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loans
12.99%
48 Months
DetailsFICO Range: 655-699
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 12.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Personal Loans
16.99%
36 Months
DetailsFICO Range: 625-654
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 16.99% APR · checked 6 times
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 Loans
-
-
5.75%
36 Months
DetailsFICO Range: 740+; LTV: 115%; Max Loan: $7,500; Minimum loan amount is $500; May include accessories in financing
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loans
-
-
6.75%
48 Months
DetailsFICO Range: 740+; LTV: 115%; Max Loan: $7,500; Minimum loan amount is $500; May include accessories in financing
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loans
-
-
5.99%
36 Months
DetailsFICO Range: 700-739; LTV: 115%; Max Loan: $7,500; Minimum loan amount is $500; May include accessories in financing
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loans
-
-
7.99%
48 Months
DetailsFICO Range: 700-739; LTV: 115%; Max Loan: $7,500; Minimum loan amount is $500; May include accessories in financing
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loans
-
-
6.99%
36 Months
DetailsFICO Range: 655-699; LTV: 110%; Max Loan: $7,500; Minimum loan amount is $500; May include accessories in financing
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loans
-
-
8.99%
48 Months
DetailsFICO Range: 655-699; LTV: 110%; Max Loan: $7,500; Minimum loan amount is $500; May include accessories in financing
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loans
-
-
9.99%
36 Months
DetailsFICO Range: 625-654; LTV: 100%; Max Loan: $5,000; Minimum loan amount is $500; May include accessories in financing
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loans
-
-
11.99%
48 Months
DetailsFICO Range: 625-654; LTV: 100%; Max Loan: $5,000; Minimum loan amount is $500; May include accessories in financing
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Bicycle Loans
-
-
13.99%
36 Months
DetailsFICO Range: 570-624; LTV: 100%; Max Loan: $3,000; Minimum loan amount is $500; May include accessories in financing
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 13.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Energy Savings Loans
5.75%
-
5.75%
60 Months
DetailsCredit Score: 740+; Maximum loan amount $10,000; energy-efficient needs only; proceeds paid directly to creditor
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Energy Savings Loans - 60 Months
5.75%
-
5.75%
60 Months
DetailsFICO 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 Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loans
6.99%
-
6.99%
120 Months
DetailsCredit Score: 740+; Property lien required; home must not be under a Trust; $250 loan fee; Maximum loan amount $100,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loans
8.49%
-
8.49%
180 Months
DetailsCredit Score: 740+; Property lien required; home must not be under a Trust; $250 loan fee; Maximum loan amount $100,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loans
7.74%
-
7.74%
120 Months
DetailsCredit Score: 700-739; Property lien required; home must not be under a Trust; $250 loan fee; Maximum loan amount $100,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loans
9.24%
-
9.24%
180 Months
DetailsCredit Score: 700-739; Property lien required; home must not be under a Trust; $250 loan fee; Maximum loan amount $100,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
Solar Loans
9.99%
-
9.99%
180 Months
DetailsCredit Score: 655-699; Property lien required; home must not be under a Trust; $250 loan fee; Maximum loan amount $100,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
FlexFund+
1.75%
-
1.76%
Min Deposit$500
Min Balance$500
DetailsBalance: $500 - $4,999; Up to six monthly withdrawals without penalty; Blended rate offered; Minimum balance required to earn the stated APY
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
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
DetailsBalance: $5,000 - $25,000; Up to six monthly withdrawals without penalty; Blended rate offered; Minimum balance required to earn the stated APY
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
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
DetailsBalance: $25,001+; Up to six monthly withdrawals without penalty; Blended rate offered; Minimum balance required to earn the stated APY
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.65%
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.
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
June 30, 2026
$172M
3.65%
5.0
A+
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+
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 NameSanta Cruz Community Credit Union
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
Q2 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 Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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 CD2.53%
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.
Brian McKay
