Business Savings

Business Savings

"Pay yourself first" is a mantra in our personal lives, and it should be in our business lives too. A company needs a solid savings foundation to weather any unexpected storm or to ride the wave of a special opportunity.

At SCCCU we are committed to strengthening our community. One way we fulfill that mission is by helping local businesses succeed. Our savings account is easy to open, and with it comes all the values of membership.
The Basics
  • Earn dividends on entire balance
  • Access to all SCCCU member benefits
  • $5 minimum balance required to maintain membership
  • $100 minimum balance to waive $2 monthly service fee
  • Withdrawal limits:
    • Up to six withdrawals free per month
    • If balance is below $300, only one free withdrawal per month
    • $1 for each withdrawal in excess of limit
  • Free online banking
  • Free eStatements available
  • $5 minimum opening deposit
  • Federally insured up to at least $250,000 by NCUA

View our interest rates.


Credit unions are nonprofit financial institutions, owned and controlled by their members. Opening and maintaining a savings account is how you establish membership in a credit union.

When you save money with us, you are investing in our community by pooling your funds with those of other local residents and employees. This is the foundation from which Santa Cruz Community Credit Union lends to other individual members and achieves our mission by lending to businesses, organizations, and cooperatives that work to improve our community.

Since we are a nonprofit, we provide loans at lower interest rates than typically associated with banks. Because of our commitment to building community, we go further by offering financial education seminars, tax advice, and donating to community charities.

To join the SCCCU, there is a one-time $5 nonrefundable membership fee. You may open a savings account with a minimum initial deposit of $5. A $5 minimum balance must be maintained in your savings account at all times to retain membership. As a member, you are eligible to vote for members of our board of directors.