Service Update: - Due to testing of our main server, we will be down on Saturday, July 11, starting at 9 p.m. (PST) and ending no later than Sunday, July 12, at 9 a.m. (PST). Online, mobile and phone banking will be unavailable; however, you may conduct transactions at our ATMs. We appreciate your patience during this time.
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Business Term Loans & Lines of Credit

Business Term Loans

Local businesses don't just talk about ideas, they make them happen.

At SCCCU we don't just talk about supporting businesses, we do it. Our mission is to provide the lowest interest loans we can in our efforts to build a stronger community.

As a nonprofit financial institution, we have equal members, not shareholders. This is how we're able to provide more affordable loans. Whatever your business need, we'll work to tailor a loan strategy for you.

Line of Credit

Day-to-day needs are just that: day-to-day. You don't have the time to wait for a loan approval.

Term Loan Details

What you need to know when opening a Term Loan at SCCCU.


  • Low rates
  • Local decision-making
  • Flexible terms
  • No prepayment penalties
  • Personal service at every step
  • Available for a wide range of needs
  • Automatic transfer payments available

Available Loans

  • Secured loans available
  • Unsecured loans available

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