Why Borrow With SCCCU?
- It’s easy to apply online, in person, or over the phone.
- We’re a local lender with a deep commitment to sustainability.
- All residents of Santa Cruz County and northern Monterey County can apply using an SSN or ITIN.
Get Green Loans.
Our flexible green loans make it simpler and more affordable to make energy-efficient home upgrades.
Uses
High-efficiency AC and heating systems
Appliances, lighting, and replacement windows
Rainwater collection systems, landscaping, and irrigation
Energy-efficient roofs
Improved home insulation, and more
Features
Loans up to $10,000
Terms up to 60 months
Competitive low rates
No prepayment penalties
Can apply with an SSN or ITIN
Manage your loan 24/7 using Online Banking or Mobile Banking
Use Express Pay to securely repay your loan from any financial institution
Get the most out of your solar investment with a low-rate solar loan to cover the cost of equipment, installation, service, and related expenses.
Uses
Solar photovoltaic (PV) system installation
Solar thermal system installation
Features
For the first 12 months of a 180-term loan, you can make interest-only payments; the remaining payments are amortized over the rest of the term.
Low rates and flexible terms up to 180 months
Local decision-making with a maximum loan amount of $50,000
There are no prepayment penalties, but there is a $250 loan fee required at origination
Property lien is required, and the home must not be under a Trust
Apply using your SSN or ITIN
Use Express Pay to securely repay your loan from any financial institution
Manage your loan 24/7 using Online Banking or Mobile Banking
Our flexible green loans make it simpler and more affordable to make energy-efficient home upgrades.
Uses
High-efficiency AC and heating systems
Appliances, lighting, and replacement windows
Rainwater collection systems, landscaping, and irrigation
Energy-efficient roofs
Improved home insulation, and more
Features
Loans up to $10,000
Terms up to 60 months
Competitive low rates
No prepayment penalties
Can apply with an SSN or ITIN
Manage your loan 24/7 using Online Banking or Mobile Banking
Use Express Pay to securely repay your loan from any financial institution
Get the most out of your solar investment with a low-rate solar loan to cover the cost of equipment, installation, service, and related expenses.
Uses
Solar photovoltaic (PV) system installation
Solar thermal system installation
Features
For the first 12 months of a 180-term loan, you can make interest-only payments; the remaining payments are amortized over the rest of the term.
Low rates and flexible terms up to 180 months
Local decision-making with a maximum loan amount of $50,000
There are no prepayment penalties, but there is a $250 loan fee required at origination
Property lien is required, and the home must not be under a Trust
Apply using your SSN or ITIN
Use Express Pay to securely repay your loan from any financial institution
Manage your loan 24/7 using Online Banking or Mobile Banking
More for Your Life.
Home Equity Loans
Make the most of your home, and your next opportunity.
Credit Cards
Get the purchasing power you need with the benefits you want.
Financial Knowledge Center
Financial questions? We’re here for you, with resources in both English and Spanish.