Santa Cruz Community Credit Union

What their website says about applying

• Get started with our quick and secure online application. Or, give us a call or stop by a branch. source
• Must provide three years of personal and business tax returns (or year-end financials if business tax returns are on extension) and current financials source
• Easy approval. We do require a copy of your Rental Agreement and proof of income. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Low or damaged credit considered Low credit financing offered — up to 120% financing is available source
• No or thin credit history considered Available to borrowers with no or low credit source
• Collateral flexible or not always required No collateral required source
• Business plan required Provide your business plan, including three years of projections, and a copy of your business license and lease (if applicable) source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan maximums for home loans (up to $1.5 million) are stated on a page but are not included in the size fields. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
2. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
3. What is the APR, including fees, on your auto loans and credit-builder loans?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
4. What interest rate and fees should I expect on your commercial real estate loans and microloans?
   Their website does not state a rate for this.
5. Do you offer down-payment help, and is a homebuyer education course required?
   CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
6. Can I apply online, or do I need to call or visit?
   We found no online application on their website.
7. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as SANTA CRUZ COMMUNITY (charter 64029). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by Santa Cruz Community Credit Union (NCUA charter 64029, filed as “SANTA CRUZ COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).

The SBA's public loan data lists 3 SBA-backed approvals for Santa Cruz Community Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):

• 3 7(a) loans as the lender: $405,000 in total (gross amount approved), median $120,000

By fiscal year: FY2020 3 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.

How this lender was matched in the SBA files: NCUA charter 64029, found through the RSSD ID in NCUA records (SBA lists “Santa Cruz Community Credit Union”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Santa Cruz Community Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

Other certified CDFIs in Santa Cruz and California

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