By clicking on this link you will leave our website. We are not responsible for nor can we modify the content available via this link.

I understand Cancel

Important! Email transmission is not a secure form of communication. Please do not include any account numbers, social security numbers, or password information in your message.

I understand Cancel
Please Note

Some documents on our website may not be compliant with the Americans with Disabilities Act (ADA) Standards for Accessible Design. If you are having trouble viewing a document on our website, please contact SCCCU for assistance at 831-425-7708. Thank you.

Continue Close
Family sitting on a couch

Our Why

Our WHY, our reason for existence, is YOU, our members — and we take you and our mission to serve very seriously.

This Is Much Bigger Than Banking.

We’re a not-for-profit financial cooperative that’s been serving our community since 1977. Inspired by our mission and vision, we’re certified as a Community Development Financial Institution (CDFI), low-income credit union, and Juntos Avanzamos credit union, which means our purpose is to provide inclusive, affordable, and accessible financial services that make a difference in our members and our community.

Santa Cruz Community Credit Union is a not-for-profit financial cooperative that promotes economic justice. We are local, independent, and member-owned.

Santa Cruz Community Credit Union pursues a vision of vital local communities whose members contribute individually and collectively to a just society. In our vision, all people have full access to economic opportunity and have resources to make effective financial decisions for themselves, their families, and their communities.

  • We believe in economic justice for our community, where everyone has the opportunity to achieve their financial, personal, and business goals.
  • We believe in playing by the rules and delivering services with honesty and integrity, and we expect the same from our members.
  • We are a financial cooperative that believes that our members as owners have a shared responsibility for the sustainable success of the Credit Union.
  • We believe that we succeed when our members succeed.

Our Member Access Plan.

Creating opportunity is what it’s all about. SCCCU’s Member Access Plan outlines the key steps we’re taking to increase equity and access to financial services throughout our service area.

1

Establish services that provide additional access points for low-income communities and communities of color in Santa Cruz County, including the community of Pajaro Valley.

2

Add access services, such as pop-up mobile branches and ATMs, to better serve low income members where they live or work.

3

Expand funding for affordable housing and lending resources for small businesses through non-traditional financing and extra-low interest rates.

4

Improve digital resources so members have convenient, faster, and more secure access to Credit Union loans.

5

Expand our financial literacy and economic justice resources to support members’ financial stability and independence, including alternative options to payday lending.

In Focus – SCCCU Blog

Protect Your Business from Online Fraud

Protect Your Business from Online Fraud

October 14, 2025
Running a small business today means juggling multiple responsibilities—customers, vendors, employ...
“Read more” button chevron Read more about Protect Your Business from Online Fraud
How to Avoid Phishing and Online Fraud

How to Avoid Phishing and Online Fraud

September 29, 2025
You just opened an email that appeared to be from your financial institution, or possibly even the I...
“Read more” button chevron Read more about How to Avoid Phishing and Online Fraud
Common Red Flags for Investment Scams

Common Red Flags for Investment Scams

September 29, 2025
You’re sipping your coffee and scrolling through your inbox when you see an email that promises ...
“Read more” button chevron Read more about Common Red Flags for Investment Scams