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
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
100% financing available up to $100,000*
Low rates and flexible terms
Local decision-making
No prepayment penalties
Apply using your SSN or ITIN
Rates & Details
*Based on 75% loan-to-value ratio (LTV).
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
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
100% financing available up to $100,000*
Low rates and flexible terms
Local decision-making
No prepayment penalties
Apply using your SSN or ITIN
Rates & Details
*Based on 75% loan-to-value ratio (LTV).
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.