Share Certificates

A safer investment. A better savings account.

Call 'em what you will, Share Certificates are just plain smart. Enjoy significant dividend returns with zero risk. That's because the rates are locked and Share Certificates retain full federal insurance.

As if that wasn't perfect already, SCCCU provides innovations to make the most of Share Certificates, including a bump-up option, liquid certificates, and our community building Partnership Certificate.

Partnership Certificate

At SCCCU, we make it easy to invest in yourself and invest in your community at the same time.

Our one-of-kind Partnership Certificate allows you to generate charity donations without money out of your pocket.

Open a standard share certificate with our Partnership Certificate and you'll receive a 0.25% increase on both. You may also be eligible to receive a tax deduction on the amount of donated earnings.*

Full Circle

By opening a Partnership Certificate you are completing a circle of community building that impacts everyone.

Your entire balance supports our community investing work and your interest earnings directly help your designated nonprofit achieve its mission.

Santa Cruz Community Credit Union finances local micro-enterprises and small businesses. We also finance nonprofits and child care centers, organizations that offer critical facilities that our community depends upon.

Nonprofit Selection

You can select the nonprofit you would like the Partnership Certificate earnings to be donated to. You can select from our current member nonprofits, including Santa Cruz Community Ventures. If you have a nonprofit dear to your heart that is not on the list, you can request they become members.

Certificate Details

What you need to know when opening a Certificate at SCCCU.

Share Certificate Features

  • Dividends up to 7x greater than regular savings
  • Fixed rates for guaranteed returns
  • Terms from 3 months to 5 years
  • Penalty on dividend earnings for early withdrawal
  • One-time bump option available to capitalize when rates go up
  • Liquid certificate option allows deposits/withdrawals
  • $1,000 minimum deposit to open
  • Federally insured to $250,000 by NCUA

Partnership Certificate Features

  • Dividend earnings paid to local nonprofit of your choice
  • Open regular CD too and receive a 0.25% increase on both
  • Increase your returns while donating to charity
  • 12-month term
  • Penalty on dividend earnings for early withdrawal
  • $1,000 minimum deposit to open
  • Donated earnings may be tax deductible*
  • Federally insured to $250,000 by NCUA

*Consult a tax advisor.