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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 (831) 425-7708, ext. #6 for more information.
In Watsonville - (in Spanish)
Where: La Manzana Community Resources located at 521 Main St., Ste. E
When: Thursday, September 18th from 6:30pm to 7:15pm (topic: budgeting); Thursday, October 16th from 6:30pm to 7:15pm (topic: credit); Thursday, November 20th from 6:30pm to 7:15pm (topic: budgeting); and Thursday, December 18th from 6:30pm to 7:15pm (topic: credit).
In Santa Cruz - (in English)
Where: Santa Cruz Community Credit Union Meeting Room located at 324 Front St.
When: Monday, September 22nd from 6:00pm to 7:00pm (topic: budgeting); Monday, October 20th from 6:00pm to 7:00pm (topic: credit); Monday, November 17th from 6:00pm to 7:00pm (topic: budgeting); and Monday, December 15th from 6:00pm to 7:00pm (topic: credit).
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.