Join Us

Be a part of a community that genuinely cares about you

If you live, work or attend church in Santa Cruz County or north Monterey County, you can join the Credit Union. To become an SCCCU member, simply open a savings account with a $5 minimum deposit. Once you join, you’re a member and part-owner of the Credit Union for life — which means you actually have a say in your financial future.

Become a member today!

Benefits of SCCCU Membership

Our mission is to provide economic justice for all and that starts with products and services that make sense for all members. And you can use your ITIN to open an account or apply for any loan at SCCCU. Here are a few of the many benefits of Credit Union membership:

CONVENIENCE

Low-fee checking with a free Visa® debit card (fee can be waived)
24/7 access to your money using Online Banking, Mobile Banking, and our Telephone Teller
Surcharge-free nationwide ATMs (at SCCCU ATMs or any ATM that displays the CO-OP logo)
eStatements to safely and easily manage your accounts.
ACH/Direct Deposit so you can access money quickly and easily.

SAVINGS

Competitive loans for any purpose —auto, personal , solar, savings-secured, and DACA, home equity lines of credit, mortgages, and more
Visa Community Credit Card — to help you save money and give back to our community
Second Chance Checking — a safe way to make transactions if you’ve had issues with a checking account in the past
Low-cost insurance options — auto, home, and life available
Discounted auto-buying services — online or at a local dealership

SECURITY

Savings Accounts, Money Market Accounts, and Certificates of Deposit to help you save for the things you need safely — all are federally insured up to $250,000 by the NCUA.
Free financial counseling online or one-on-one through our partner, BALANCE.
Free financial knowledge available to all through UPWARD, our online Financial Knowledge Center.
Individual Retirement Accounts (IRA) – both Roth and Traditional IRAs available to help you achieve your retirement goals. Insured separately up to $250,000 by the NCUA.

Business Loans