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. 
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Personal Loans

You gain a significant benefit with personal lending from SCCCU. We are here to help every step of the way. Whether you're ready to sign or are just bouncing thoughts around, please visit us and we'll help you determine the best solution for you.

Our mission is to serve everyone in our community with the financial resources they need. This includes loans for people who may not have access at most financial institutions. Come see how we can help you finance your dreams.

Personal Loan Details

All residents of Santa Cruz County and northern Monterey County may apply for a loan from Santa Cruz Community Credit Union.


  • Low fixed rates
  • Local decision-making
  • No prepayment penalties
  • Personal service at every step
  • Debt consolidation loans available
  • Secured loans up to $60,000
  • Unsecured loans (no collateral) up to $25,000
  • Automatic transfer or payroll deduction payments available