HOLIDAY HOURS - Our branches will be closed on Monday, 1/17, in observance of Martin Luther King, Jr.'s Birthday. You may use Online or Mobile Banking, our 24-Hour Telephone Teller, or any SCCCU or CO-OP ATM (free of charge) to conduct most of your Credit Union business. 

When You Need Short-Term Cash, Get a LIFT from SCCCU

Introducing our new LIFT Loan program – with options available whether you have low or no credit. And you can apply with your ITIN!

Loan Amount APR* Fee Term
Up to $500 0% $35 3 Months
$1,000 0% $60 6 Months
$2,500 18.99% $0 12 Months


Plus, you’ll get a $10 fee refunded to your SCCCU checking or savings account upon repayment if you repay your loan with direct deposit or complete our online budget course.

Why choose an SCCCU LIFT Loan over a Payday Loan?

SAVE MONEY: Payday loans have high rates and fees and usually require faster repayment, so your loan payment is also large.
TRUST: We’re YOUR Credit Union and we genuinely want to help you achieve your financial goals.
SECURITY: You can safely access your loan 24/7. (Link to Online banking page)

Get Out of the Payday Loan Debt Cycle and Back on Track with an SCCCU LIFT Loan.

If you need to borrow $250 for an unanticipated car repair, here’s how we compare:

Loan Amount Required
APR* Fee Repayment
Monthly Payment
Average Payday
Lender (CA)
1 month 0% $45 Weekly $345
SCCCU LIFT Loan 3 months 0% $35* Monthly $95

*$10 fee refund upon loan repayment to your SCCCU checking or savings account when you repay your loan using direct deposit or complete our online budget course.

And you can borrow up to $2,500 at rates and terms that meet your budget and help you along the path to financial security.

It’s easy to apply — and you can use an ITIN!

Apply Online or Stop by a branch

Questions? Call 831-425-7708