Santa Cruz Community Credit Union CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Santa Cruz Community, your trusted partner in financial well-being since 1977. Located at 55 River St, Santa Cruz, CA 95060, we take pride in serving our 14,666 members with a commitment to community and excellence. With total assets exceeding $188,099,215 and total deposits of $16,554,626, we ensure that your hard-earned money is in safe hands. At Santa Cruz Community, we understand that banking isn't just about transactions; it's about relationships. Our dedicated team of 49 employees, led by CEO Beth Carr and Board President Matt Farrell, is here to guide you through every financial decision. Whether you're looking for personal banking solutions like checking accounts and auto loans or business services such as merchant services and business loans, we've got you covered. While members can visit us at our branch location, official correspondence should be sent to the same address: 55 River St, Santa Cruz, CA 95060-4568. We also offer convenient online banking options so you can manage your finances anytime, anywhere. With a solid net worth of $20,381,330 and cash in hand amounting to $3,572,981, we are positioned to support your financial goals with confidence. Our diverse range of products includes loans totaling 6,804 to help you achieve everything from buying a new car to refinancing your home. Ready to experience the difference? Call us today at 831-425-7708 or visit our website at scccu.org to learn more about how we can assist you on your financial journey. Your future starts here!

Branch History & Mission

Commitment to Innovation

In today's world, technology plays a crucial role in how we manage finances. That's why we've embraced digital advancements such as online and mobile banking options that make managing your money easier than ever before. With features like electronic signature authentication and mobile payments, we ensure that our services are not only modern but also user-friendly.

Community Engagement

Our dedication extends beyond financial services; we actively engage with our community through outreach programs and partnerships that uplift local initiatives. By investing in programs that benefit education and wellness within Santa Cruz County, we aim to make a positive impact on the lives of those around us. As you consider joining us at Santa Cruz Community, know that you're choosing more than just a credit union; you're becoming part of a family dedicated to your success. Visit us or reach out at 831-425-7708 today! Let's embark on this journey together experience the difference with Santa Cruz Community.

Our Journey

Since opening our doors, we have focused on building strong relationships with our members. From the beginning, our mission has been clear: to provide exceptional financial services while fostering community spirit. Over the years, we've adapted to meet changing needs by offering a wide range of services including personal banking, auto loans, mortgages, business banking solutions, and more. Our commitment to accessibility is evident through our operating hours Monday through Tuesday from 9:00 AM to 5:00 PM, Wednesday from 10:30 AM to 5:00 PM, and Thursday through Friday from 9:00 AM to 5:00 PM as well as our convenient ATM availability.

Our Mission

At Santa Cruz Community, we believe in empowering individuals to achieve their financial goals while supporting the local community. Our mission is not just about providing financial products; it's about being a partner in your journey toward financial wellness. We strive to create a welcoming environment where everyone feels valued and supported. We are dedicated to ensuring that our services are accessible to all members of the community. While members can visit us at 55 River St, official correspondence should be sent to 55 River St, Santa Cruz, CA 95060-4568.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all members. Our branch is designed to meet ADA compliance standards, ensuring that everyone can easily access our services. Parking is available nearby for your convenience, making your visit smooth and hassle-free.

Call to Action

Ready to take the next step in managing your finances? Visit us at the Santa Cruz Community branch or give us a call at 831-425-7708. We look forward to welcoming you into our community-focused credit union!

Operating Hours

At Santa Cruz Community, we understand that life can get busy. That's why we offer convenient operating hours: Monday through Tuesday and Thursday through Friday from 9:00 AM to 5:00 PM, and on Wednesdays from 10:30 AM to 5:00 PM. Whether you're looking to open an account or need assistance with a loan, our dedicated staff is ready to help during these times.

Services Offered

Our branch provides a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Enjoy hassle-free ATM access right on-site for quick withdrawals and balance checks. While we currently do not have drive-thru service available, our team is always prepared to assist you promptly inside.

Member Eligibility

Becoming a member of Santa Cruz Community is like joining a warm and welcoming family where your financial needs are truly understood. If you live, work, or go to school in the vibrant community surrounding 55 River St Santa Cruz Ca 95060, you're already on the right track! We're here to support individuals who share our values and commitment to making financial wellness accessible for everyone. Our eligibility criteria are simple and inviting, so you can easily find out if you qualify by checking out more details at . Once you see that you're eligible, opening an account is a breeze! You can start your journey with us online by visiting https://scccu.org/open-account/ , or feel free to give us a call at (831) 425-7708 if you have any questions. At Santa Cruz Community, we pride ourselves on being more than just a financial institution; we are your partners in building a brighter financial future together!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $101 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $15,049,324, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's marketplace, efficient payment processing is crucial. That's where our merchant services come into play. Imagine being able to accept payments seamlessly from your customers, whether they're shopping online or visiting your storefront. Our tailored solutions ensure you have the technology needed to keep sales flowing and customers happy. Visit us at 55 River St Santa Cruz Ca 95060, Santa Cruz, CA or call us at (831) 425-7708 to learn more about how our business banking and commercial services can help you achieve your goals.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing services make it easy for you to drive away in the car of your dreams. With competitive rates and personalized terms, we strive to help you find a loan that fits your budget perfectly.

Business Banking Services

If you're a business owner, you'll appreciate our dedicated business banking services. From merchant services that facilitate transactions to tailored business loans, we understand what it takes to help your business thrive in today's competitive market.

Credit Cards with Rewards

For those who enjoy earning benefits while spending, our credit cards with rewards provide an excellent way to maximize your purchases. Imagine earning points on everyday expenses that can be redeemed for travel or shopping discounts it's just one more way we help enhance your financial experience.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Santa Cruz Community, we offer robust online and mobile banking options. Access your accounts anytime, anywhere through our user-friendly mobile application or website. Need cash on the go? Our ATM services provide easy access for withdrawals and balance checks right at your fingertips. With these diverse offerings at Santa Cruz Branch, located at 55 River St Santa Cruz Ca 95060, we're here to ensure that managing your finances is as smooth as possible. If you have any questions or would like more information about our services, please don't hesitate to call us at (831) 425-7708. Let us help you achieve your financial goals today!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. Our mortgage loans and refinancing services are designed to guide you through this important process. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better rates, our knowledgeable team will assist you every step of the way.

Personal Banking Solutions

When it comes to managing your finances, our personal banking services have you covered. We provide checking and savings accounts that cater to different lifestyles and goals. For instance, if you're planning a family vacation or saving for a home, our savings accounts can help you reach those milestones faster. Additionally, if you find yourself needing extra funds for unexpected expenses, our personal loans and debt consolidation options offer flexible solutions tailored to your situation.

Digital & Online Banking

Convenient Mobile Features

For those who prefer banking on their mobile devices, our user-friendly mobile application is available for download. You can make mobile payments, check your statements electronically, and even transfer money to friends with our person-to-person feature. Plus, if you're short on time, our electronic signature authorization makes it easier to sign documents without needing to print anything out.

Easy Online Access

Our online banking platform is available 24/7 at https://scccu.org/ . With this service, you can view your account balances, transfer funds, and pay bills anytime, anywhere. It's all about giving you the control you need over your money without the hassle of visiting a branch.

Real-Time Management

With e-statements readily available, you'll always have access to up-to-date information about your transactions. This real-time account management allows you to track spending and plan better for the future. In summary, whether you're making payments, transferring money between accounts, or checking your balance from the comfort of your couch, our digital and online banking services ensure that managing your finances is both convenient and secure. Experience the ease of banking with Santa Cruz Community today!

Secure and Reliable

Security is a top priority for us at Santa Cruz Community. Our online banking services include robust security measures to keep your personal information safe. You can manage your accounts confidently, knowing that we are committed to protecting your data.

Financial Strength

A Growing Member Base

Our total share accounts stand at 21,781, showing a strong and growing member base that trusts us with their finances. This trust fuels our growth and allows us to enhance our services continuously.

Commitment to Growth

With $18,515,147 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant; with $2,080 in used auto loans and $146,854,633 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 48 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Santa Cruz Community is your trusted partner. Visit us at 55 River St Santa Cruz Ca 95060 or call (831) 425-7708 to learn more about how we can help you achieve your financial goals.

Secure Savings for Members

Members' savings are secured through $34,442,057 in share certificates and $7,437,981 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,229,901, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $20,381,330, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to our members is reflected in our net worth ratio of $1,081, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $29,422,534 in used vehicle loans and $7,966,565 in new vehicle loans already helping members get on the road. Whether you prefer a brand-new ride or a reliable used option, we have financing solutions that can make your purchase easier and more affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $15,049,324 provide the capital needed to grow and expand. We understand the challenges that come with running a business and are committed to supporting local entrepreneurs through tailored lending solutions. At Santa Cruz Community Credit Union, we also offer refinancing options for many of our loan products. If you're interested in exploring eligibility or refinancing opportunities, please reach out to us at 831-425-7708 or visit our website at scccu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards your financial success!

Credit Lines

For those looking for additional financial flexibility, we provide credit lines with a total amount of $35,510,297. This allows our members access to funds when they need it most without the pressure of large upfront payments.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,838,803, make buying or refinancing simple. We aim to provide competitive rates and personalized service to ensure you find the right fit for your home financing needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,285,531 in loans helping members manage their finances effectively. These credit cards come with rewards and are designed for convenience and accessibility as you navigate everyday expenses.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures fair and transparent offers, allowing users to make informed decisions without any hidden surprises.

SANTA CRUZ COMMUNITY CREDIT UNION