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. 

Savings Secured Loan

There's a way to tap into your savings without depleting them. A savings secured loan uses the money in your SCCCU savings or share certificates as collateral. It's our lowest rate personal loan, plus you still earn dividends on your deposit.

A savings secured loan is an excellent way to establish or re-establish good credit. Our loan advisors are always available to walk you through the pros and cons of any loan option with no obligation.

Related Information

Savings Secured Loan Details

All residents of Santa Cruz County and northern Monterey County may apply for a loan from Santa Cruz Community Credit Union.


  • Local decision-making
  • Personal service at every step
  • Lower rates than other personal loans
  • Loan secured by your savings funds
  • Automatic transfer or payroll deduction payments available


  • Still earn dividends on your deposits
  • Excellent way to build or repair credit
  • No prepayment penalties
  • Use for most any purpose