Santa Cruz Community Credit Union Watsonville CA | Best Auto Loans & Business Banking

Introduction

Welcome to the Santa Cruz Community at our Watsonville Branch, located at 590 Auto Center Dr, Watsonville, CA 95076. Since opening our doors in 1977, we have proudly served our community with a commitment to providing reliable financial services tailored to meet your needs. With a total membership of over 14,600 individuals and assets exceeding $188 million, we are dedicated to helping you achieve your financial goals. At Santa Cruz Community, we understand that every member's journey is unique. That's why we offer a wide range of services including personal banking, auto loans, mortgages, and business financing solutions. Our team of 49 dedicated employees, led by CEO Beth Carr and Board President Matt Farrell, is here to ensure you receive personalized support every step of the way. While members can visit us at our branch for in-person assistance, all official correspondence should be sent to the same address: 590 Auto Center Dr, Watsonville, CA 95076. You can also reach us by phone at 831-425-7708 for any inquiries or assistance. With a net worth of approximately $20.4 million and total deposits around $16.6 million, we strive to maintain a stable and secure environment for your finances. Our commitment goes beyond numbers; it's about making a positive impact in the lives of our members and the greater Watsonville community. We invite you to explore how Santa Cruz Community can support you on your financial journey. Visit our website at scccu.org or stop by our branch today! Let us help you turn your dreams into reality with trusted financial solutions designed just for you.

Branch History & Mission

A Journey of Growth

From the day we opened our doors, our mission has been clear: to provide our members with exceptional financial services while fostering a strong sense of community. Over the years, we have seen significant milestones that highlight our commitment to serving the people of Watsonville and beyond. Today, we proudly manage total assets of ${total_assets}, ensuring that we can continue to support our members' financial dreams. As technology has advanced, so have we. Our commitment to providing modern banking solutions is evident through services like online and mobile banking, which allow members to manage their finances anytime and anywhere. We also ensure accessibility for all members by maintaining ADA compliance throughout our facilities.

Commitment to Community

Our dedication extends into various community outreach efforts where we actively engage with local initiatives and partnerships that uplift those around us. By participating in events and supporting local charities, we strive to make a positive impact on the lives of our neighbors. With operating hours designed for your convenience Monday through Tuesday from 9:00 AM to 5:00 PM, Wednesday from 10:30 AM to 5:00 PM, Thursday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:30 AM to 1:30 PM we aim to be available when you need us most.

Join Us!

We invite you to become part of the Santa Cruz Community family! Experience the difference that comes from being a member-focused credit union dedicated not only to your financial success but also committed to enriching our community's future together. For any inquiries or assistance, feel free to reach out at 831-425-7708 or visit us online at scccu.org. Your journey toward financial empowerment starts here!

Our Mission

At Santa Cruz Community, our mission goes beyond just banking; it's about empowering individuals and families in our community. We believe in making financial services accessible and beneficial for everyone. Our offerings include personal banking options such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We also provide business banking services to support local entrepreneurs. While members can visit us at 590 Auto Center Dr, official correspondence should be sent to the same address as there is no separate mailing address. For those who prefer cash transactions, we are proud to offer ATM availability right at our location.

Branch Location & Accessibility

Welcome to the Watsonville Branch of Santa Cruz Community, where convenience meets community! Located at 590 Auto Center Dr, Watsonville, CA 95076, our branch is perfectly situated near popular local landmarks. Whether you're heading to the nearby shopping centers or taking a stroll through the charming streets of Watsonville, you'll find us right where you need us. At our branch, we strive to make your banking experience as smooth as possible. We offer accessible parking and features that comply with ADA standards, ensuring everyone can visit us comfortably. If you need assistance or have questions while you're here, our friendly staff is always ready to help. Our operating hours are designed to fit into your busy schedule. You can visit us Monday and 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. We even open on Saturdays from 9:30 AM to 1:30 PM for those who prefer weekend banking. For added convenience, our branch offers ATM services so you can access your funds anytime. Please note that we currently do not have a drive-thru service. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location. Have questions? Feel free to give us a call at (831) 425-7708. We can't wait to welcome you in person and help you achieve your financial goals!

Member Eligibility

At Santa Cruz Community, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is easy and accessible to those who live, work, or worship in the area, as well as their family members. We aim to create a supportive environment where you can access a range of financial services tailored just for you. To learn more about the specific eligibility criteria, feel free to check out our detailed information at . Once you're ready to join us, opening an account is a breeze! You can find all the details on how to get started by visiting https://scccu.org/open-account/ . If you have any questions along the way or just want to chat about your options, don't hesitate to reach out to us at (831) 425-7708. We're here to help you take that first step toward becoming a valued member of Santa Cruz Community at our convenient location: 590 Auto Center Dr Watsonville Ca 95076.

Business Banking & Commercial Services

Commercial Loans That Make a Difference

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 Tailored for You

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine having the ability to accept payments easily from customers, whether they're shopping in-store or online. Our tools help you streamline operations, manage transactions efficiently, and enhance customer satisfaction. Visit us at 590 Auto Center Dr Watsonville Ca 95076 in Watsonville, CA, or call us at (831) 425-7708 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options are here for you. We understand the excitement of driving off in a new vehicle, so we offer competitive rates and flexible terms to fit your budget. Whether it's a shiny new ride or a reliable used car, we'll help you get behind the wheel without breaking the bank.

Business Banking

For entrepreneurs and business owners, we offer comprehensive business banking services including merchant services and business loans. We know how important it is to have the right financial tools at your disposal when running a business, so we're committed to providing solutions that help you thrive.

Convenient Access

With an ATM available on-site, withdrawing cash is quick and easy. Our basic ATM services allow members to check balances and make withdrawals without hassle. Plus, our commitment to digital banking means that no matter where life takes you, accessing your accounts is just a click away. If you're curious about any of our offerings or want more information on how we can assist you further, don't hesitate to reach out! Call us at (831) 425-7708, visit us at 590 Auto Center Dr Watsonville Ca 95076, or check out our website at Watsonville Branch. Join us today, and let's start working toward your financial goals together!

Credit Cards with Rewards

Our credit cards with rewards not only give you purchasing power but also reward you for using them! Picture earning points on every transaction that can be redeemed for travel, merchandise, or cash back making every purchase work for you.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. If you're ready to buy your first home or looking to lower your current mortgage payments, we'll guide you through the process. Our experienced staff will work closely with you to find the best loan solution that suits your lifestyle.

Personal Banking

We offer personal banking services designed to make managing your money easy and convenient. Whether you're opening a checking or savings account, our accounts come with user-friendly features that help you keep track of your finances. You can access your accounts anytime through our robust online and mobile banking platforms. Imagine checking your balance or transferring money while waiting for your morning coffee it's that simple!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide personal loans and debt consolidation services to help ease financial burdens. Whether it's funding a big purchase or consolidating debt into one manageable payment, we're here to support you every step of the way.

Digital & Online Banking

Convenience at Your Fingertips

Whether you're using our mobile payments feature or accessing your accounts via online banking, everything is designed for convenience and ease of use. Our services allow for real-time account management, so you always know where you stand financially. No matter when you need us, our online banking services are available 24/7, allowing you to manage your finances whenever it suits you best. At Santa Cruz Community, we're committed to providing tools that help make banking simpler, safer, and more accessible for everyone.

Key Services Available

With our mobile application, you can perform everyday banking tasks right from your smartphone. Need to pay bills? Transfer money to a friend? Or check your balance? It's all just a tap away! Plus, our person-to-person transfer feature makes sending money to family or friends quick and hassle-free. We also prioritize your security. You can sign documents electronically with confidence thanks to our electronic signature authorization, making it easier than ever to complete transactions without the need for paper forms. Additionally, we offer e-statements so you can keep track of your financial activity in a secure digital format.

Financial Strength

Growing Trust

Total Share Accounts stand at 21,781, indicating a strong and growing member base that trusts us with their finances. With net shares available for lending at $0, we are well-positioned to meet your needs. 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 590 Auto Center Dr Watsonville Ca 95076 or call (831) 425-7708 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

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 robust, with $2,080 in used auto loans and $146,854,633 in total loans and leases. This support helps our members achieve their financial goals across various sectors.

Member-Centric Savings

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.

Operational Efficiency

Our financial performance is reflected in our $0, which showcases our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 48 full-time employees and 1 part-time employees who are always ready to serve you with a knowledgeable and committed team.

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 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.

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. We provide flexible terms and competitive rates, ensuring that you can drive off in your desired vehicle without breaking the bank.

Business Loans

For business owners, our outstanding commercial loans totaling $15,049,324 provide the capital needed to grow and expand. We're committed to supporting local businesses and fostering economic development in our community. If you're interested in refinancing or want to learn more about eligibility options for any of these products, please don't hesitate to reach out. You can contact us at 831-425-7708 during our operating hours: Monday - Tuesday 9:00 AM - 5:00 PM; Wednesday 10:30 AM - 5:00 PM; Thursday - Friday 9:00 AM - 5:00 PM; Saturday 9:30 AM - 1:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at https://www.ncua.gov , based on the latest results. We look forward to assisting you with your financial journey!

Credit Lines

For those who need ongoing access to funds, our credit lines totaling $35,510,297 provide a safety net for unexpected expenses or planned projects. It's all about flexibility and ensuring you have what you need when you need it.

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 support you every step of the way in securing the home of your dreams.

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. This option allows for easy access to credit while providing rewards that fit your spending habits.

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SANTA CRUZ COMMUNITY CREDIT UNION - Watsonville, CA