IMPORTANT CHANGE - Due to the weather, the PG&E shutoff near our Santa Cruz branch has been POSTPONED; therefore, the Santa Cruz branch and ATM will now be OPEN tomorrow, 10/27/2021. Additionally, the Santa Cruz branch WILL NOT be open on Saturday, 10/30/2021. If you need to conduct business on Saturday, please visit our Soquel or Watsonville branch. We appreciate your patience. 

All Rates

Rates effective October 26, 2021

Deposit Rates
Savings & Money Market
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Account Name Opening Balance Minimum Balance Dividend Rate APY*
Regular Savings $5 $100 0.04% 0.04%
Money Market $2,500 - $9,999 $2,500 0.05% 0.05%
Money Market $10,000–$24,999 $10,000 0.07% 0.07%
Money Market $25,000+ $25,000 0.10% 0.10%

*APY=Annual Percentage Yield. ** Minimum balance required to earn stated APY.
Dividends are paid from current and available earnings, after required transfers to reserves at the end of the dividend period. Fees or other conditions could reduce earning on any of the accounts listed. For all Savings and Money Market Savings the prospective Dividend Rate and prospective Annual Percentage Yield are set forth above. The Dividend Rate and APY on Savings Accounts may change monthly as determined by the Board of Directors. Federally insured by the NCUA.

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Share Certificates
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Terms Opening Balance Dividend Rate APY*
7 Months $500 0.05% 0.05%
9 Months $500 0.10% 0.10%
13 Months $500 0.15% 0.15%
15 Months $500 0.20% 0.20%
24 Months $500 0.25% 0.25%

*APY= Annual Percentage Yield.
The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. Minimum deposit is $500. Maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened, unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after automatic renewal of seven (7)days will apply. Thereafter, withdrawals of principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership required. Rates subject to change. Federally insured by NCUA.

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Individual Retirement Accounts
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Terms Opening Balance Dividend Rate APY*
6 Months $100 0.05% 0.05%
12 Months $100 0.15% 0.15%
18 Months $100 0.20% 0.20%
24 Months $100 0.25% 0.25%
36 Months $100 0.30% 0.30%
48 Months $1000 0.40% 0.40%
60 Months $1000 0.45% 0.45%

*APY= Annual Percentage Yield.
There is an early withdrawal penalty on IRA accounts. The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fees, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our “Truth In Savings Disclosure” for specific details about any account. Federally insured by the NCUA.

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Loan Rates
Auto Loan
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FICO Range 54 Months 66 Months 75 Months* 84 Months** LTV +
730+ 2.74% 3.24% 3.74% 3.99% 120%
700-729 3.24% 3.99% 4.49% 4.74% 115%
675-699 3.74% 4.49% 4.99% 5.24% 110%
650-674 4.74% 5.49% 5.99% 6.24% 110%
625-649 6.74% 6.99% 7.49% 7.74% 105%
600-624 8.74% 8.99% 12.49% - 105%
575-599 10.74% 11.49% - - 100%
499-574 17.99% 18.99% - - 90%

Used Auto Loan Rates: add .50% to the stated rate above for vehicles 5+ years old and 1% for vehicles 10+ years old or 100,000 miles or more.  Motorcycle Loans: add 1% to stated rates above. *Minimum loan amount of $15,000 required and not available to all credit types. **Minimum loan amount of $25,000 required and not available to all credit types.  +LTV = Loan to Value. Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelly Blue Book (RKBB) including applicable sales taxes, insurance and any other associated loan products.  Auto Loan Payment Example: 54 monthly payments of $19.71 for every $1,000 borrowed at 2.74%.

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Solar Loan
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FICO Range 60 Months 180 Months
740+ 6.00% 6.50%
700-739 7.00% 7.00%
655-699 8.00% 8.00%

First 12 months interest-only for 180-month term. Remaining payments are amortized over rest of term. Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum credit amount is $50,000.

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Energy Savings Loan
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FICO Range 60 Months
740+ 5.75%
700-739 6.00%
655-699 6.99%

Maximum loan amount of $10,000 and maximum term of 60 months. Use only for energy-efficient needs, such as appliances and windows.

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RV/Boat Loan
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FICO Range Up to 120 Months LTV
740+ 7.99% 100%
700-739 8.24% 100%
655-699 10.24% 100%

Up to 100% financing available on new model years. Minimum loan amount of $40,000 for 120 months and maximum loan amount of $80,000, excluding tax & license. Must use NADA retail value.

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Bicycle Loan
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FICO Range 12-36 Months 48 Months LTV  Max Loan 
730+ 5.75% 6.75% 115% $7,500
700-729 5.99% 7.99% 115% $7,500
675-699 6.99% 8.99% 110% $7,500
650-674 7.99% 9.99% 110% $7,500
625-649 9.99% 11.99% 100% $5,000
600-624 11.99% N/A 100% $4,000
575-599 13.99% N/A 100% $3,000

Minimum loan amount is $500. May include accessories in financing. 

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Personal Loan
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FICO Range 36 Months 48 Months
740+ 9.99% 9.99%
700-739 10.99% 10.99%
655-699 12.99% 12.99%
625-654 14.99% -
570-624 16.99% -

Maximum loan amount is $25,000.

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Secured Loans
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Type Rate
Savings-Secured Savings Rate + 3.00%*
Share Certificate-Secured Share Certificate Rate + 3.00%*

No term for savings-secured loan. Share certificate-secured loan must be repaid before the share certificate matures. *Maximum term of 60 months.

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LIFT Loan
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Loan Amount Rate Fee Term
Up to $500 0% $35 3 months
$1,000 0% $60 6 months
$2,500 18.99% $0 12 months

A $10 fee refund will be credited to your SCCCU checking or savings account when the loan has been repaid if you use direct deposit or complete our online budgeting course. No prepayment penalty. One loan per member at any time. Representative LIFT Loan payment example: 12 monthly payments of $92.15 for every $1,000 borrowed at 18.99%.

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