Santa Cruz Community Credit Union Soquel CA | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Santa Cruz Community, your trusted financial partner located at 2750 41st Ave, Soquel, CA 95073. Since our establishment in 1977, we have been dedicated to serving our community, growing to a proud membership of over 14,666 members. With total assets reaching an impressive $188,099,215, we provide a stable and reliable foundation for all your financial needs. At Santa Cruz Community, we believe in building lasting relationships with our members. Our commitment extends beyond traditional banking services; we strive to empower you with the tools and resources necessary to achieve your financial goals. Whether you're looking for personal loans, auto financing, or business banking solutions, our knowledgeable team is here to guide you every step of the way. Under the leadership of our CEO, Beth Carr, and Board President Matt Farrell, our dedicated staff of 49 employees works tirelessly to offer personalized service that meets your unique needs. We understand that each member's journey is different, which is why we tailor our offerings including checking and savings accounts, credit cards with rewards, and online banking options to suit your lifestyle. While you can visit us at our Soquel branch for face-to-face assistance and access to our ATM services, official correspondence should be directed to the same address: 2750 41st Ave, Soquel, CA 95073. Our commitment to transparency is reflected in our strong financial position: with total deposits of $16,554,626 and a net worth of $20,381,330, you can trust that your money is safe with us. Additionally, we proudly hold a net member business loan balance of $15,338,681, demonstrating our investment in local businesses and the community. We invite you to explore how Santa Cruz Community can help you thrive financially. For any inquiries or further information about our services, don't hesitate to reach out via phone at 831-425-7708 or visit us online at scccu.org. Join us on this journey towards financial success!

Branch History & Mission

Community Commitment

We understand that being a part of this community means more than just offering financial products. We actively engage in partnerships with local organizations and initiatives aimed at uplifting those around us. Our outreach efforts include educational programs that help individuals improve their financial literacy and achieve their goals. With an ATM available on-site and no drive-thru service at this location, we prioritize accessibility for all. Additionally, our commitment to ADA compliance ensures that everyone can benefit from our services without barriers.

Join Us Today!

At Santa Cruz Community, we're more than just numbers; we're about people our members. We invite you to join us on this journey towards financial empowerment. Experience the benefits of membership today! For more information or to open an account online, visit us at scccu.org or call us at (831) 425-7708. Together, let's build a brighter future for you and your family!

Our Journey

Since opening our doors more than four decades ago, we have achieved remarkable milestones. With total assets now exceeding $188 million, we have consistently focused on providing exceptional financial services while nurturing lasting relationships within our community. Our growth is a testament to the trust our members place in us and reflects our commitment to their financial well-being.

Our Mission

Our mission is simple yet powerful: to empower individuals and families through accessible financial services while fostering a sense of belonging. At Santa Cruz Community, we believe that everyone deserves the opportunity for financial success. We offer a wide range of services including personal banking, auto loans, mortgages, business banking, and online and mobile banking options that make managing finances easy and convenient. While members can visit us at 2750 41St Ave Soquel Ca 95073, official correspondence should be sent to 2750 41st Ave, Soquel, CA 95073. Our dedicated team is here to assist you during operating hours: Monday through Tuesday from 9 AM to 5 PM, Wednesday from 10:30 AM to 5 PM, Thursday through Friday from 9 AM to 5 PM, and Saturday from 9:30 AM to 1:30 PM.

Branch Location & Accessibility

Accessibility Features

At our Soquel Branch, we prioritize accessibility for everyone. Our location is fully compliant with ADA standards, featuring ramps and spacious entrances to ensure that all members can easily access our services without any hassle. We also offer ample parking spaces right outside the branch for your convenience.

Call to Action

Ready to experience the convenience of banking with us? Visit our Soquel Branch today or give us a call at 831-425-7708 if you have any questions about our services or need assistance. We're here to help you every step of the way!

Operating Hours

We understand that everyone has busy schedules, which is why we offer flexible hours tailored to meet your needs. You can visit us Monday through Tuesday and Thursday through Friday from 9:00 AM to 5:00 PM. On Wednesdays, we open a bit later at 10:30 AM and stay until 5:00 PM. If Saturdays work better for you, we're here from 9:30 AM to 1:30 PM perfect for those weekend errands!

Services Offered

At Santa Cruz Community's Soquel Branch, we provide a wide range of services designed to make banking easy and accessible. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. Although we do not have drive-thru banking options available at this branch, our staff is always ready to assist you inside with friendly service that makes every visit pleasant.

Member Eligibility

Becoming a member of Santa Cruz Community is like stepping into a warm, welcoming community where your financial needs are prioritized. If you live, work, or worship in the area around 2750 41St Ave Soquel Ca 95073, you're already eligible to join us! We believe in making banking accessible and supportive for everyone, so whether you're looking for personal loans, savings accounts, or simply want to be part of a credit union that cares, we've got you covered. The process to open an account is straightforward and inviting; just visit our account opening page here to get started. If you have any questions or need assistance along the way, don't hesitate to reach out at (831) 425-7708. For more detailed eligibility criteria, feel free to check out our resource at . Join us today and experience the benefits of being part of Santa Cruz Community!

Business Banking & Commercial Services

At Santa Cruz Community, we understand that running a business comes with its own unique challenges and opportunities. That's why we offer tailored solutions designed to help you thrive. 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. Our merchant services allow local businesses to process payments seamlessly, whether you're running a bustling café or a retail store. Imagine having the ability to accept payments from customers quickly, giving you more time to focus on what you do best growing your business. Located at 2750 41St Ave Soquel Ca 95073 in Soquel, CA, our team is dedicated to helping you navigate your financial needs. Let's work together to make your business dreams a reality! For more information, call us at (831) 425-7708 or visit us online at https://scccu.org.

Comprehensive List Of Services

ATM Services

Need cash on the go? Take advantage of our ATM and cash withdrawal services, available right at your fingertips. With basic ATM access for withdrawals and balance checks, accessing your money has never been easier. At Santa Cruz Community, we're dedicated to supporting our members every step of the way with comprehensive financial solutions tailored just for you. Whether visiting us in person at 2750 41St Ave Soquel Ca 95073 or accessing us online through our website at Soquel Branch, we are here to assist you with all your financial needs. Don't hesitate reach out today by calling (831) 425-7708 or visit us to learn more about how we can help you achieve your financial goals!

Business Banking Services

If you're a business owner, our business banking services are tailored to meet your needs. From merchant services to secure payments, we understand how vital it is to have reliable support for your business operations. Our business loans can also give you the financial boost needed to expand or invest in new opportunities.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing solutions can help turn your dream into reality. We know this can be a daunting process, but our knowledgeable staff will guide you through each step, ensuring you find the best terms available.

Loans and Credit Options

For those unexpected expenses or plans that require additional funding, our personal loans and debt consolidation options provide flexibility and ease. And don't forget about our credit cards with rewards, which not only allow you to make purchases conveniently but also earn points for future rewards perfect for treating yourself!

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that let you manage your accounts anytime, anywhere. Whether it's checking balances or transferring funds, our digital banking tools ensure you're always in control of your finances.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your day-to-day finances effectively. Imagine being able to easily track your spending while saving for that dream vacation! If you're considering purchasing a new car, our auto loans and vehicle financing options make it straightforward to get behind the wheel without breaking the bank.

Digital & Online Banking

Additional Features

Stay organized with e-statements that allow you to view and download your financial statements digitally no more clutter! If you're looking to send money quickly, our person-to-person transfer feature allows for fast payments directly from your account. And if you're into mobile payments, rest assured that you can make purchases easily with our supported services. In short, Santa Cruz Community offers a comprehensive suite of digital banking tools that empower you to take control of your finances. Experience the freedom and flexibility of online banking today!

Key Services

Our online banking platform, accessible at https://scccu.org/, provides you with 24/7 access to your accounts. Whether you want to check your balance, pay bills, or transfer money, everything is right at your fingertips. For those who prefer mobile banking, our user-friendly mobile application makes it easy to handle transactions anytime, anywhere.

Security and Ease-of-Use

Security is a top priority for us. We use advanced technology to keep your information safe while you enjoy the ease of managing your accounts online. Plus, with electronic signature authorization available, signing important documents has never been simpler or more secure.

Financial Strength

At Santa Cruz Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We want to assure you that our financial health is robust and designed to serve your needs effectively. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 net worth ratio of $1,081 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. Our commitment to excellence is evident through our $18,515,147 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We support your financial goals with $2,080 in used auto loans and $146,854,633 in total loans and leases. Additionally, our $0 reflects our operational efficiency, 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 who are dedicated to providing exceptional service. Our net shares available for lending stand at $0, while the total share accounts have reached an impressive 21,781, showcasing a strong and growing member base that trusts us with their finances. 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 2750 41St Ave Soquel Ca 95073 or call (831) 425-7708 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $29,422,534 in used vehicle loans and $7,966,565 in new vehicle loans, helping members get on the road with confidence. Whether you're eyeing a reliable used car or a brand-new model, our financing options can help make it happen.

Business Loans

For business owners, our outstanding commercial loans totaling $15,049,324 provide essential capital needed for growth and expansion. We believe in supporting local businesses because when they thrive, our entire community benefits.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $7,838,803. We simplify the process of buying or refinancing a home so you can focus on what matters most creating memories in your new space.

Refinancing Options

If you're considering refinancing any of your existing loans, our team is here to guide you through the process and discuss eligibility options tailored to your situation. At Santa Cruz Community, we're committed to providing personalized service and financial solutions that fit your life. For more information or to discuss loan options that suit your needs, please call us at (831) 425-7708 or visit us at 2750 41St Ave Soquel Ca 95073 in Soquel, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Cards

Managing daily expenses can be challenging, which is why we offer flexible terms on unsecured credit card loans. With a total of $5,285,531 in loans available, we provide our members with an effective way to handle their finances without the stress of high interest rates.

Loan Aggregator

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