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Santa Cruz Community Credit Union

Welcome to Santa Cruz Community Credit Union! We’re glad you’re here, and we look forward to serving you. Our mission is to create social and economic justice for everyone. As a member of SCCCU, you’ll belong to an organization that genuinely cares about the Santa Cruz community and your financial well-being.

Why We’re Different


SCCCU is a not-for-profit financial cooperative, which means it’s member-owned. Back in 1977, the Credit Union founders crafted its guiding principles around improving the quality of life for every individual in the community, establishing equity and promoting economic justice.

I can proudly say we’ve continued that grassroots belief, and when we make decisions at SCCCU, we do so through the lens of how it will impact our members

— Beth Carr, President/CEO of SCCCU

One of the most significant benefits of SCCCU membership is that once you join, you own a share in the Credit Union. That means every dollar you invest in SCCCU is reinvested in you in the form of higher deposit rates and lower loan rates. We exist to serve and help our members, and because of that, we offer products and services designed to support and protect each member’s financial well-being. That’s why at SCCCU you can open any account or apply for any loan with your ITIN.

If you live or work in Santa Cruz County or north Monterey County, you qualify for membership to SCCCU. Open a savings account or business savings account with a $5 balance, and you’re on your way.

Commitment to the Community


“The word ‘community’ in our name is there for a reason. We love this community and its people. We live and work here and care so much about each other. We appreciate the continued support we receive each day,” said Carr.

In 2020, the Credit Union gave back nearly $180,000 to the community, launched its “Return the Favor” campaign to encourage our community to support non-profit organizations on the front line of COVID, funded over $12.4 million in PPP loans to local small businesses (saving 1,400 local jobs), partnered with the City of Santa Cruz to deliver an additional $500,000 in microbusiness loans to struggling businesses, was named Business Partner of the Year by The Diversity Center, and most recently received the Chairman’s Corporate Award by the Second Harvest Food Bank.

The Credit Union also created an emergency COVID loan program and sponsored two local non-profit organizations who received over $37,000 each from the Federal Home Loan Bank through the Credit Union’s sponsorship.

"This year, we’ll continue to focus on making our members’ lives better during these significantly difficult times. We continually ask our team and our Board, can we do more? That is our current mantra,” stated Carr. “We want our members to be able to access us wherever they are, and more importantly, we genuinely want each member to feel a part of our community — we don’t want anyone to feel left out.”

Santa Cruz Community Credit Union Branch Locations