Santa Cruz, CA 95060

Notable Rates APY Vs.Others
Savings 0.04% 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Santa Cruz Community is an NCUA insured institution located in Santa Cruz, CA. It was founded in 1977 and has approximately $122.71 millions in assets.

NCUA Insured Yes
Charter Number # # 64029
Date Established 1977
Assets $122.71 million
Loans $99.96 million
Deposits $110.88 million
Capital $9.91 million

Field of Membership Restrictions

Membership is open to those who live or work in Santa Cruz County or north Monterey County in California.

Deposit Rates - February 18, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.05% $2,500 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 - Learn MoreShow Less
Learn more about these great rates:

Loan Rates - February 18, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SANTA CRUZ COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.375% 3.375% 0.00 ($122) $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Santa Cruz Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Santa Cruz Community Locations

Financial Details

Santa Cruz Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Santa Cruz Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Santa Cruz Community U.S. Average
55.20% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Santa Cruz Community had $1,254,230 in non-current loans and $4,837,601 in owned assets. To cover these potential losses it had $9,909,212 in net worth and $1,126,232 in loans loss reserves. That gives it a Texas Ratio of 55.20%.

Net Worth
Santa Cruz Community U.S. Average
8.07% 13.65%

Santa Cruz Community FCU has a net worth of 8.07% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Santa Cruz Community

Branches and Savings

What is Santa Cruz Community?

A federal credit union, registered with the NCUA under certificate #64029.
Learn more about credit unions here.

Is Santa Cruz Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Santa Cruz Community?

Please see Field of Membership information above for information on who is eligible to join.

What are Santa Cruz Community's share account and share certificate rates?

Santa Cruz Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Santa Cruz Community?

Santa Cruz Community has total capital of $9.91 million. Full information on Santa Cruz Community's financial position is located above.

Who owns Santa Cruz Community?

Credit Unions are owned by their members.

Where are Santa Cruz Community branches located?

See branch locations nearby.

Are Santa Cruz Community ATMs Open 24/7?

Do Santa Cruz Community ATMs accept cash deposits?

Can Santa Cruz Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Santa Cruz Community have a mobile app?

Does Santa Cruz Community have mobile deposit?

Does Santa Cruz Community have quick pay?

How can Santa Cruz Community transfer money to other banks or credit unions?

Does Santa Cruz Community report to credit bureaus?

Does Santa Cruz Community use Chexsystems?

Does Santa Cruz Community use Equifax?

What is Santa Cruz Community's toll free phone number?

What is Santa Cruz Community's ACH Routing Number?

What is Santa Cruz Community's SWIFT code?

Where can I find Santa Cruz Community's wire transfer form?

What is the Santa Cruz Community address for deposits?

What Products Does Santa Cruz Community Offer

Does Santa Cruz Community offer mortgages?

Compare mortgage rates here.

Does Santa Cruz Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Santa Cruz Community offer auto and RV loans?

Compare auto loan rates here.

Does Santa Cruz Community offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Santa Cruz Community

There are currently no comments for Santa Cruz Community. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →