Deposit Accounts

Additional Products & Services

Interest Rates

Applications

Frequently Asked Questions

All residents and employees of Santa Cruz County and north Monterey County may join.

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 the Santa Cruz Community Credit Union lends to other individual members and achieves its mission by lending to businesses, organizations and cooperatives that work to improve our community. As a member you are eligible to vote for members of the Board of Directors.

To join the SCCCU, there is a one time $10 nonrefundable membership fee. You may open a savings account with an initial deposit of $25 or with an initial deposit of $100. There are monthly services associated with balances below $100. A $25 minimum balance must be maintained in your savings account at all times.

Deposit Accounts

The Santa Cruz Community Credit Union encourages you to choose from our wide range of deposit accounts that meet your particular needs at the lowest cost to you.

Checking Account Options

• Essential - No monthly fee, write 7 free checks each month, 75-cent charge for each check over 7.
• Standard - $8.00 monthly fee, write 40 checks at no charge, 75-cent charge for each check over 40. There is no monthly fee if you maintain a minimum daily balance over $1000.
• Super - $10 monthly fee, write an unlimited number of checks at no charge. There is no monthly fee if you maintain a minimum daily balance over $1000.

Variety of Savings Programs

• Regular Savings Accounts
• Community Certificates ("certificates of deposit") with a variety of rates and terms
• Roth and Standard Individual Retirement Accounts (IRAs) with no maintenance fees

Read about our innovative Partnership Certificate:

How it works:

1. Open a one-year Partnership Certificate with a Member Service Representative at any of our branches. When you open a Partnership Certificate and a regular Certificate you'll receive a .25% increase on both Certificates. (Ask for our rate sheet for current rates.)

2. Choose a local nonprofit from our list of current member nonprofits (including Santa Cruz Community Ventures). If your nonprofit of choice is not available, ask them to become members.

3. Interest earnings on your Partnership Certificate are donated to your designated nonprofit when your Partnership Certificate matures.

4. Santa Cruz Community Credit Union will notify you of your total interest earned and contributed to your designated local nonprofit.

The Benefits: When you open a Partnership Certificate you are increasing your impact and helping build a healthy community. Your entire balance supports our community investing work and your interest earnings directly help fund your designated nonprofit achieve its mission. Santa Cruz Community Credit Union finances local microenterprises and small businesses. We also finance nonprofits and child care centers, organizations that offer critical facilities that our community depends upon.

Note: You may also be eligible to receive a tax deduction on donated interest earnings.

*Ask for our list of member local nonprofits.