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. 

Deposit Rates

Rates effective January 17, 2022

SCCCU is committed to helping you get the loan you need. The rates listed below are annual percentage rates and are a guide used to make loans.
Savings & Money Market
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Account Name Opening Balance Minimum Balance Dividend Rate APY*
Regular Savings $5 $100 0.04% 0.04%
Money Market $2,500 - $9,999 $2,500 0.05% 0.05%
Money Market $10,000–$24,999 $10,000 0.07% 0.07%
Money Market $25,000+ $25,000 0.10% 0.10%

*APY=Annual Percentage Yield. ** Minimum balance required to earn stated APY.
Dividends are paid from current and available earnings, after required transfers to reserves at the end of the dividend period. Fees or other conditions could reduce earning on any of the accounts listed. For all Savings and Money Market Savings the prospective Dividend Rate and prospective Annual Percentage Yield are set forth above. The Dividend Rate and APY on Savings Accounts may change monthly as determined by the Board of Directors. Federally insured by the NCUA.


Share Certificates
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Terms Opening Balance Dividend Rate APY*
7 Months $500 0.05% 0.05%
9 Months $500 0.10% 0.10%
13 Months $500 0.15% 0.15%
15 Months $500 0.20% 0.20%
24 Months $500 0.25% 0.25%

*APY= Annual Percentage Yield.
The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. Minimum deposit is $500. Maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened, unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after automatic renewal of seven (7)days will apply. Thereafter, withdrawals of principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership required. Rates subject to change. Federally insured by NCUA.


Individual Retirement Accounts
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Terms Opening Balance Dividend Rate APY*
6 Months $100 0.05% 0.05%
12 Months $100 0.15% 0.15%
18 Months $100 0.20% 0.20%
24 Months $100 0.25% 0.25%
36 Months $100 0.30% 0.30%
48 Months $1000 0.40% 0.40%
60 Months $1000 0.45% 0.45%

*APY= Annual Percentage Yield.
There is an early withdrawal penalty on IRA accounts. The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fees, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our “Truth In Savings Disclosure” for specific details about any account. Federally insured by the NCUA.