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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 has been serving our community since 1977. Guided by our mission and vision, we are certified as a Community Development Financial Institution (CDFI), low-income credit union, and Juntos Avanzamos credit union.

Our purpose is to provide affordable financial services, practical solutions, and trusted support that help people build stronger financial futures, no matter where they started.

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 envisions thriving local communities where people have access to the financial resources, guidance, and opportunities they need to build a brighter future. We are committed to helping individuals and families achieve greater financial stability and success.

  • 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 field of membership.

1

Establish services that provide additional access points for low-income communities in Santa Cruz, San Benito, and Monterey counties, including the Pajaro Valley community.

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

Expand digital tools and resources to make managing finances and loan access more convenient, efficient, and secure.

5

Expand our financial literacy and money management resources to support long-term financial success, including alternatives to payday lending.

In Focus – SCCCU Blog

The Power of Financial Education: Knowledge That Changes Lives

The Power of Financial Education: Knowledge That Changes Lives

July 24, 2026
Money plays a role in nearly every aspect of our daily lives, yet many people never receive formal e...
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The Most Expensive Email Your Business Will Ever Receive

The Most Expensive Email Your Business Will Ever Receive

July 22, 2026
Imagine this: It's a busy Tuesday morning. Your inbox is filling up, customers are calling, and inv...
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5 Simple Ways to Improve Your Business Cash Flow (Without Increasing Sales)

5 Simple Ways to Improve Your Business Cash Flow (Without Increasing Sales)

July 18, 2026
For many small business owners, the biggest challenge isn't making more sales. Instead, it's ensurin...
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