Rates effective October 26, 2021
*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.
*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.
*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.
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%.
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.
Maximum loan amount of $10,000 and maximum term of 60 months. Use only for energy-efficient needs, such as appliances and windows.
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.
Minimum loan amount is $500. May include accessories in financing.
Maximum loan amount is $25,000.
No term for savings-secured loan. Share certificate-secured loan must be repaid before the share certificate matures. *Maximum term of 60 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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