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Santa Cruz Community Credit Union

Popular Accounts at this Credit Union

0.02%1-year CD12 Month Share Certificate
0.02%5-year CD60 Month Share Certificate
0.02%SavingsIDA Savings Account

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

Santa Cruz Community Credit Union is headquartered in Santa Cruz and is the 146th largest credit union in the state of California. It is also the 1,499th largest credit union in the nation. It was established in 1977 and as of June of 2017, it had grown to 39 employees and 12,629 members at 2 locations. Santa Cruz Community Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Santa Cruz County or north Monterey County in California.
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 - YTD1.28%
Return on Equity - YTD17.68%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$111.9MM$108.7MM
LoansQ2 2017vs Q2 2016$84.7MM$86.6MM
DepositsQ2 2017vs Q2 2016$102.5MM$98.0MM
Equity CapitalQ2 2017vs Q2 2016$8.2MM$6.9MM
Secondary CapitalQ2 2017vs Q2 2016$466.00K
Loan Loss AllowanceQ2 2017vs Q2 2016$1.4MM$1.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$2.3MM$1.3MM
Real Estate OwnedQ2 2017vs Q2 2016$0$0
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Santa Cruz Community Credit Union Savings Account Rates

0.02%--Regular Savings Account
0.02%$50-IDA Savings Account

Santa Cruz Community Credit Union Money Market Rates

0.02%$2,500-Money Market Account

Santa Cruz Community Credit Union CD Rates

0.02%$1k-6 Month Share Certificate
0.02%$1k-12 Month Share Certificate
0.02%$1k-18 Month Share Certificate
0.02%$1k-24 Month Share Certificate
0.02%$1k-36 Month Share Certificate
0.02%$1k-48 Month Share Certificate
0.02%$1k-60 Month Share Certificate

Santa Cruz Community Credit Union IRA Rates

0.02%$100-6 Month IRA
0.02%$100-12 Month IRA
0.02%$100-18 Month IRA
0.02%$100-24 Month IRA
0.02%$1k-60 Month IRA
0.02%$1k-48 Month IRA

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