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Deposit & Loan Rates

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.

Deposit Rates

Savings & Money Market Accounts
Account NameOpening BalanceMinimum Balance**Dividend RateAPY*
Regular Savings$5$1000.04%0.04%
Money Market$2,500 – $9,999$2,5000.25%0.25%
Money Market$10,000 – $24,999$10,0000.35%0.35%
Money Market$25,000 +$25,0000.45%0.45%
Savings & Money Market Accounts
Opening Balance
$5
Minimum Balance**
$100
Dividend Rate
0.04%
APY*
0.04%
Opening Balance
$2,500 – $9,999
Minimum Balance**
$2,500
Dividend Rate
0.25%
APY*
0.25%
Opening Balance
$10,000 – $24,999
Minimum Balance**
$10,000
Dividend Rate
0.35%
APY*
0.35%
Opening Balance
$25,000 +
Minimum Balance**
$25,000
Dividend Rate
0.45%
APY*
0.45%

*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.

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Share Certificates
TermsOpening BalanceDividend RateAPY*
7 Months$5000.30%0.30%
9 Months$5000.60%0.60%
11 Months$5002.00%2.02%
12 Months$5001.75%1.76%
13 Months$5001.85%1.87%
15 Months$5001.95%1.97%
24 Months$5002.00%2.02%
Share Certificates
Opening Balance
$500
Dividend Rate
0.30%
APY*
0.30%
Opening Balance
$500
Dividend Rate
0.60%
APY*
0.60%
Opening Balance
$500
Dividend Rate
2.00%
APY*
2.02%
Opening Balance
$500
Dividend Rate
1.75%
APY*
1.76%
Opening Balance
$500
Dividend Rate
1.85%
APY*
1.87%
Opening Balance
$500
Dividend Rate
1.95%
APY*
1.97%
Opening Balance
$500
Dividend Rate
2.00%
APY*
2.02%

*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.

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Individual Retirement Accounts
TermsOpening BalanceDividend RateAPY*
6 Months$1000.05%0.05%
12 Months$1000.15%0.15%
18 Months$1000.20%0.20%
24 Months$1000.25%0.25%
36 Months$1000.85%0.85%
48 Months$1001.00%1.00%
60 Months$1000.45%0.45%
Individual Retirement Accounts
Opening Balance
$100
Dividend Rate
0.05%
APY*
0.05%
Opening Balance
$100
Dividend Rate
0.15%
APY*
0.15%
Opening Balance
$100
Dividend Rate
0.20%
APY*
0.20%
Opening Balance
$100
Dividend Rate
0.25%
APY*
0.25%
Opening Balance
$100
Dividend Rate
0.85%
APY*
0.85%
Opening Balance
$100
Dividend Rate
1.00%
APY*
1.00%
Opening Balance
$100
Dividend Rate
0.45%
APY*
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.

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Loan Rates

Auto Loans
FICO Range54 Months66 Months75 Months*84 Months**LTV †
730+2.74%3.24%3.74%3.99%120%
700–7293.24%3.99%4.49%4.74%115%
675–6993.74%4.49%4.99%5.24%110%
650–6744.74%5.49%5.99%6.24%110%
625–6496.74%6.99%7.49%7.74%105%
600–6248.74%8.99%12.49%-105%
575–59910.74%11.49%--100%
499–57417.99%18.99%--90%
Auto Loans
54 Months
2.74%
66 Months
3.24%
75 Months*
3.74%
84 Months**
3.99%
LTV †
120%
54 Months
3.24%
66 Months
3.99%
75 Months*
4.49%
84 Months**
4.74%
LTV †
115%
54 Months
3.74%
66 Months
4.49%
75 Months*
4.99%
84 Months**
5.24%
LTV †
110%
54 Months
4.74%
66 Months
5.49%
75 Months*
5.99%
84 Months**
6.24%
LTV †
110%
54 Months
6.74%
66 Months
6.99%
75 Months*
7.49%
84 Months**
7.74%
LTV †
105%
54 Months
8.74%
66 Months
8.99%
75 Months*
12.49%
84 Months**
-
LTV †
105%
54 Months
10.74%
66 Months
11.49%
75 Months*
-
84 Months**
-
LTV †
100%
54 Months
17.99%
66 Months
18.99%
75 Months*
-
84 Months**
-
LTV †
90%

Used Auto Loan Rates: add .50% to the stated rate above for vehicles 5+ years old and 1% for vehicles 10+ years old or 100,000 miles or more.  Motorcycle Loans: add 1% to stated rates above. *Minimum loan amount of $15,000 required and not available to all credit types. **Minimum loan amount of $25,000 required and not available to all credit types.  †LTV = Loan to Value. Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelley Blue Book (RKBB) including applicable sales taxes, insurance and any other associated loan products.  Auto Loan Payment Example: 54 monthly payments of $19.71 for every $1,000 borrowed at 2.74%.

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Solar Loans
FICO Range60 Months180 Months
740+6.00%6.50%
700–7397.00%7.00%
655–6998.00%8.00%
Solar Loans
60 Months
6.00%
180 Months
6.50%
60 Months
7.00%
180 Months
7.00%
60 Months
8.00%
180 Months
8.00%

First 12 months interest-only for 180-month term. Remaining payments are amortized over rest of term. Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum credit amount is $50,000.

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Energy Savings Loans
FICO Range60 Months
740+5.75%
700–7396.00%
655–6996.99%
Energy Savings Loans
60 Months
5.75%
60 Months
6.00%
60 Months
6.99%

Maximum loan amount of $10,000 and maximum term of 60 months. Use only for energy-efficient needs, such as appliances and windows.

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RV/Boat Loans
FICO RangeUp to 120 MonthsLTV
740+7.99%100%
700–7398.24%100%
655–69910.24%100%
RV/Boat Loans
Up to 120 Months
7.99%
LTV
100%
Up to 120 Months
8.24%
LTV
100%
Up to 120 Months
10.24%
LTV
100%

Up to 100% financing available on new model years. Minimum loan amount of $40,000 for 120 months and maximum loan amount of $80,000, excluding tax & license. Must use NADA retail value.

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Bicycle Loans
FICO Range12-36 Months48 MonthsLTVMax Loan
730+5.75%6.75%115%$7,500
700–7295.99%7.99%115%$7,500
675–6996.99%8.99%110%$7,500
650–6747.99%9.99%110%$7,500
625–6499.99%11.99%100%$5,000
600–62411.99%N/A100%$4,000
575–59913.99%N/A100%$3,000
Bicycle Loans
12-36 Months
5.75%
48 Months
6.75%
LTV
115%
Max Loan
$7,500
12-36 Months
5.99%
48 Months
7.99%
LTV
115%
Max Loan
$7,500
12-36 Months
6.99%
48 Months
8.99%
LTV
110%
Max Loan
$7,500
12-36 Months
7.99%
48 Months
9.99%
LTV
110%
Max Loan
$7,500
12-36 Months
9.99%
48 Months
11.99%
LTV
100%
Max Loan
$5,000
12-36 Months
11.99%
48 Months
N/A
LTV
100%
Max Loan
$4,000
12-36 Months
13.99%
48 Months
N/A
LTV
100%
Max Loan
$3,000

Minimum loan amount is $500. May include accessories in financing.

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Personal Loans
FICO Range36 Months48 Months
740+9.99%9.99%
700–73910.99%10.99%
655–69912.99%12.99%
625–65414.99%-
570–62416.99%-
Personal Loans
36 Months
9.99%
48 Months
9.99%
36 Months
10.99%
48 Months
10.99%
36 Months
12.99%
48 Months
12.99%
36 Months
14.99%
48 Months
-
36 Months
16.99%
48 Months
-

Maximum loan amount is $25,000.

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Secured Loans
TypeRate
Savings–SecuredSavings Rate + 3.00%*
Share Certificate–SecuredShare Certificate Rate + 3.00%*
Secured Loans
Rate
Savings Rate + 3.00%*
Rate
Share Certificate Rate + 3.00%*

No term for savings-secured loan. Share certificate-secured loan must be repaid before the share certificate matures. *Maximum term of 60 months.

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LIFT Loans
Loan AmountRateFeeTerm
Up to $5000%$353 Months
$1,0000%$606 Months
$2,50018.99%$012 Months
LIFT Loans
Rate
0%
Fee
$35
Term
3 Months
Rate
0%
Fee
$60
Term
6 Months
Rate
18.99%
Fee
$0
Term
12 Months

A $10 fee refund will be credited to your SCCCU checking or savings account when the loan has been repaid if you use direct deposit or complete our online budgeting course. No prepayment penalty. One loan per member at any time. Representative LIFT Loan payment example: 12 monthly payments of $92.15 for every $1,000 borrowed at 18.99%.

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