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Deposit & Loan Rates

SCCCU is committed to helping you save or get the loan you need.

Printable Deposit Rate Sheet  | Printable Loan Rate Sheet  | Printable Fee Schedule

IMPORTANT: Members who automatically repay their loans can get a .25% discount off the listed loan rate, except for LIFT, Holiday, and Emergency Loans or Visa Cards. Ask your loan officer for details!

Deposit Rates

Savings & Money Market Accounts
Account NameOpening BalanceMinimum Balance**Dividend RateAPY*
Regular Savings$5$1000.04%0.04%
Holiday Club Savings ***$10$101.04%1.04%
Super D'per Savings +$100$1001.54%1.55%
FlexFund+$500 - $4,999$5001.75%1.76%
FlexFund+$5,000 - $25,000$5,0002.25%2.27%
Money Market$2,500 – $9,999$2,5001.50%1.51%
Money Market$10,000 – $24,999$10,0001.75%1.76%
Money Market$25,000 +$25,0002.00%2.02%
Savings & Money Market Accounts
Opening Balance
$5
Minimum Balance**
$100
Dividend Rate
0.04%
APY*
0.04%
Opening Balance
$10
Minimum Balance**
$10
Dividend Rate
1.04%
APY*
1.04%
Opening Balance
$100
Minimum Balance**
$100
Dividend Rate
1.54%
APY*
1.55%
Opening Balance
$500 - $4,999
Minimum Balance**
$500
Dividend Rate
1.75%
APY*
1.76%
Opening Balance
$5,000 - $25,000
Minimum Balance**
$5,000
Dividend Rate
2.25%
APY*
2.27%
Opening Balance
$2,500 – $9,999
Minimum Balance**
$2,500
Dividend Rate
1.50%
APY*
1.51%
Opening Balance
$10,000 – $24,999
Minimum Balance**
$10,000
Dividend Rate
1.75%
APY*
1.76%
Opening Balance
$25,000 +
Minimum Balance**
$25,000
Dividend Rate
2.00%
APY*
2.02%

*APY=Annual Percentage Yield. ** A minimum balance is required to earn the stated APY. ***Certain restrictions apply. Click here for details. ^Certain restrictions apply. Click here for details. +You may make up to six monthly withdrawals from a FlexFund account without penalty. See fee schedule for an excessive withdrawal penalty.

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 earnings 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$5004.50%4.67%
9 Months$5004.25%4.33%
11 Months$5004.00%4.07%
13 Months$5003.75%3.81%
15 Months$5003.50%3.56%
24 Months$5003.25%3.30%
Share Certificates
Opening Balance
$500
Dividend Rate
4.50%
APY*
4.67%
Opening Balance
$500
Dividend Rate
4.25%
APY*
4.33%
Opening Balance
$500
Dividend Rate
4.00%
APY*
4.07%
Opening Balance
$500
Dividend Rate
3.75%
APY*
3.81%
Opening Balance
$500
Dividend Rate
3.50%
APY*
3.56%
Opening Balance
$500
Dividend Rate
3.25%
APY*
3.30%

*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. The minimum deposit is $500. The 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 the automatic renewal of seven (7) days will apply. Thereafter, withdrawals of the 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 is required. Rates are 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 Range48 Months60 Months72 Months*84 Months**LTV †
740+6.49%6.74%6.99%7.24%120%
700–7397.24%7.49%7.74%7.99%115%
655–6997.99%8.24%8.49%8.74%110%
625–6549.24%9.49%9.74%9.99%105%
570–62413.24%13.49%13.74%-100%
<57016.49%16.99%17.49%-90%
Auto Loans
48 Months
6.49%
60 Months
6.74%
72 Months*
6.99%
84 Months**
7.24%
LTV †
120%
48 Months
7.24%
60 Months
7.49%
72 Months*
7.74%
84 Months**
7.99%
LTV †
115%
48 Months
7.99%
60 Months
8.24%
72 Months*
8.49%
84 Months**
8.74%
LTV †
110%
48 Months
9.24%
60 Months
9.49%
72 Months*
9.74%
84 Months**
9.99%
LTV †
105%
48 Months
13.24%
60 Months
13.49%
72 Months*
13.74%
84 Months**
-
LTV †
100%
48 Months
16.49%
60 Months
16.99%
72 Months*
17.49%
84 Months**
-
LTV †
90%

Used Auto Loan Rates: add 1% for vehicles 10+ years old or 100,000 miles or more. Motorcycle Loans: add 1% to the stated rates above. *Minimum loan amount of $15,000 required. **Minimum loan amount of $25,000 required. +LTV = Loan to Value. Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelly Blue Book (RKBB), including applicable sales taxes, warranty, and GAP insurance. $5,000 add-ons available for LTV minimum 100% and up to 120%. For 90% LTV, you can add warranty and GAP insurance only. Special rates are available for first-time buyers and members without credit. Auto Loan Payment Example: 48 monthly payments of $23.71 for every $1,000 at 6.49%.

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Solar Loans
FICO Range120 Months180 Months
740+6.99%8.49%
700–7397.74%9.24%
655-6998.49%9.99%
Solar Loans
120 Months
6.99%
180 Months
8.49%
120 Months
7.74%
180 Months
9.24%
120 Months
8.49%
180 Months
9.99%

Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum loan amount is $100,000.

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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. Proceeds of the loan must be paid directly to the creditor.

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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%

Minimum loan amount of $40,000 for 120 months and maximum loan amount of $80,000, excluding tax & license. Must use NADA retail value. Collateral must not be more than 5 years old.

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Bicycle Loans
FICO Range36 Months48 MonthsLTVMax Loan
740+5.75%6.75%115%$7,500
700–7395.99%7.99%115%$7,500
655-6996.99%8.99%110%$7,500
625–6549.99%11.99%100%$5,000
570-62413.99%N/A100%$3,000
Bicycle Loans
36 Months
5.75%
48 Months
6.75%
LTV
115%
Max Loan
$7,500
36 Months
5.99%
48 Months
7.99%
LTV
115%
Max Loan
$7,500
36 Months
6.99%
48 Months
8.99%
LTV
110%
Max Loan
$7,500
36 Months
9.99%
48 Months
11.99%
LTV
100%
Max Loan
$5,000
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%
625-65416.99%-
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
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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