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Savings Secured Loan

There's a way to tap into your savings without depleting them. A savings secured loan uses the money in your SCCCU savings or share certificates as collateral. It's our lowest rate personal loan, plus you still earn dividends on your deposit.

A savings secured loan is an excellent way to establish or re-establish good credit. Our loan advisors are always available to walk you through the pros and cons of any loan option with no obligation.

Related Information

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Savings Secured Loan Details

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

Features

  • Local decision-making
  • Personal service at every step
  • Lower rates than other personal loans
  • Loan secured by your savings funds
  • Automatic transfer or payroll deduction payments available

Benefits

  • Still earn dividends on your deposits
  • Excellent way to build or repair credit
  • No prepayment penalties
  • Use for most any purpose