Overview / Commentary
831-425-7708
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

Health Grade Components

Overall
NCUA #64029
Year Chartered1977
Employees38
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
Rates
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Santa Cruz Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.04%$5-Regular Savings Account

Santa Cruz Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.04%$2.5k-Money Market Account
Locations


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

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