Overview / Commentary
324 Front St
Santa Cruz, CA 95060-4502

Santa Cruz Community Credit Union is headquartered in Santa Cruz and is the 140th largest credit union in the state of California. It is also the 1,446th largest credit union in the nation. It was established in 1977 and as of September of 2018, it had grown to 38 employees and 13,003 members at 2 locations. Santa Cruz Community Credit Union has a C health rating.

Field of Membership Restrictions

Membership with Santa Cruz Community Credit Union is open to anyone who works or lives in Santa Cruz County or north Monterey County.
See current membership details

Reviews (1)

There Are Better Options Than This Bank Available

I have been with this bank for over 7 years now and am closing my account. I have noticed that they go through and enter debits ahead of deposits - even when they are received at the same time! This of course means that they can charge fees. It has happened on several occasions now and only once has someone reversed the fees and acknowledged to me that the items were received at the same time. When I spoke to their manager Mindy she very rudely explained to me that they do not have to provide me with details as to what times items are received and that I need to trust them they are entered as they come in. Unfortunately for her since I went through this once before and had the fees all reversed I already know this is not the truth. When I explained to her I knew this not to be the case she became incredibly condescending. I have always been an advocate for small local banking but I cannot wait to leave this place now. I wish that my tax return wasn't already scheduled for deposit so that I could close my account today. These people do not really care about the members of our community as evidence by how their management thinks it's ok to speak to a long time "valued" customer. If you want a credit union I urge you to go to Bay federal instead. 


Health Grade Components

NCUA #64029
Year Chartered1977
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD11.11%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$120.1MM$112.7MM
LoansQ3 2018vs Q3 2017$95.2MM$86.1MM
DepositsQ3 2018vs Q3 2017$109.7MM$103.0MM
Equity CapitalQ3 2018vs Q3 2017$8.9MM$8.4MM
Secondary CapitalQ3 2018vs Q3 2017$341.00K
Loan Loss AllowanceQ3 2018vs Q3 2017$1.3MM$1.3MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$784.00K$2.4MM
Real Estate OwnedQ3 2018vs Q3 2017$5.0MM$0
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Santa Cruz Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

Santa Cruz Community Credit Union Savings Account Rates

0.04%$5-Regular Savings Account

Santa Cruz Community Credit Union Money Market Rates

0.04%$2.5k-Money Market Account

Santa Cruz Community Credit Union Locations
Branch Office324 Front StSanta Cruz, CA 95060-4502
Branch Office590 Auto Center DrWatsonville, CA 95076

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.