Financial Education & Outreach

SCCCU's financial education program strives to promote family financial security by introducing the principles of budgeting and saving and access to affordable financial products and services. SCCCU offers financial education workshops to members and throughout the community.

Want Solutions to Help You Get Ahead?

Are you tired of having too many bills and not enough money? Perhaps you'd like to put together a family budget that's right for you? Would you like to understand your credit report, buy a home, or lay out a plan for your financial future? Santa Cruz Community Credit Union wants to help.

We've teamed up with SurePath Financial Solutions to offer free and confidential financial counseling. As an SCCCU member, you have access to money management experts who are ready to assist you.

Financial Education Workshops

Santa Cruz Community Ventures offers ongoing free financial education workshops throughout Santa Cruz County. Call Irma Ranzuglia at (831) 460-2343 for more information.

The Basics of Budgeting and Saving

We discuss the benefits of having a spending and saving plan, including reducing financial stress and building a healthy financial future. Participants prepare a simple income and expense worksheet, look at the reasons behind their buying habits, and explore ways to change certain habits to benefit financially.

The Benefits of Banking

The world of banking has shifted. We'll help answer questions about core differences between credit unions and banks and how to avoid predatory practices (payday lenders, pawn shops and tax refund anticipation loans). Participants will also learn the differences between credit cards, secured credit cards, pre-paid cards and debit cards, as well as, safe online transaction practices.

Managing Credit and Debt

Credit does not have to mean debt. We offer practical tips to avoid debt, fees, high interest rates and common marketing traps. We'll also discuss the importance of reading the fine print in credit card offers.

Credit Reports and Scoring

Understanding our rights and responsibilities to access and influence the information in our credit report history is important. We'll discuss how to maintain an accurate record, properly handle disputes and what we can do to positively manage, repair and establish our credit history and score.

April 2012 Classes

Credit Cards and Debt

Friday, April 20, 2012 – 12:30pm-1:30pm

SC Community Credit Union, 324 Front Street, Santa Cruz

(Community Room)

Clases Gratuitas de Educación Financiera

Abril 2012 Clases Para El Público

En la Biblioteca Pública de Watsonville

4/2 - El Presupuesto y Ahorros 1:00pm-2:00pm

4/4 - El Presupuesto y Ahorros 6:30pm-7:30pm

4/16 - Beneficios de la Banca 1:00pm-2:00pm

4/18 - Beneficios de la Banca 6:30pm-7:30pm

4/23 - Informes de Crédito y Puntuación 1:00pm-2:00pm

4/25 - Informes de Crédito y Puntuación 6:30pm-7:30pm

4/30 - El Presupuesto y Ahorros 1:00pm-2:00pm

Llama para más información - Berenice Rubio (831) 460-2233 Fax: (831) 786-1979 - www.scccu.org

May 2012 Classes

Understanding Your Credit Reports and Score

Friday, May 25, 2012 – 12:30pm-1:30pm

SC Community Credit Union, 324 Front Street, Santa Cruz

(Community Room)

Mayo 2012 Clases Para El Público

En la Biblioteca Pública de Watsonville

5/2 - El Presupuesto y Ahorros 6:30pm - 7:30pm

5/7 - Beneficios de la Banca 1:00pm - 2:00pm

5/9 - Beneficios de la Banca 6:30pm - 7:30pm

5/14 - Informes de Crédito y Puntuación 1:00pm - 2:00pm

5/16 - Informes de Crédito y Puntuación 6:30pm - 7:30pm

5/30 - El Presupuesto y Ahorros 6:30pm - 7:30pm

Llama para más información - Berenice Rubio (831) 460-2233 Fax: (831) 786-1979 - www.scccu.org

June 2012 Classes

The Benefits of Banking

Friday, June 22, 2012 – 12:30pm-1:30pm

SC Community Credit Union, 324 Front Street, Santa Cruz

(Community Room)