Credit union · NCUA insured
Santa Cruz Community Credit Union CD Rates
Santa Cruz Community Credit Union’s best CD rate is 2.94% APY on a 15-month share certificate (CD). Terms run from 7 months to 2 years. Rates checked October 16, 2026.
How Santa Cruz Community Credit Union’s CD rates compare
Compared with banks and credit unions near Santa Cruz, CA, where Santa Cruz Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Santa Cruz Community Credit Union
2.94%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $369
Certificates of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Bay Federal Credit Union
3.82%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,062
Santa Cruz Community Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo2.80%
- 9–15 months9–15 mo2.94%
- 16–30 months16–30 mo2.69%
- QualifiedQualified2.94%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Santa Cruz Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 2.94%APY · 6 terms
Santa Cruz Community Credit Union membership required. Minimum deposit is $500; maximum deposit is $250,000. No additional deposits are permitted once opened unless otherwise disclosed. Penalties apply for early withdrawal. Automatically renews at maturity for a like term with a 7-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 2.80% | $162 |
| 9 months | 2.02% | $151 |
| 11 months | 2.53% | $232 |
| 13 months | 2.89% | $313 |
| 15 months | 2.94% | $369 |
| 24 months | 2.69% | $545 |
Sources (3)
- scccu.org/personal/certificates-of-deposit
- scccu.org/services/rates
- scccu.org/wp-content/uploads/2…eposit-Rates-9-14-26.pdf
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 2.79%APY · 7 terms
Available as Traditional or Roth IRA Share Certificates. Early withdrawal penalties apply. APY assumes dividends remain in the account until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.28% | $113 |
| 12 months | 2.53% | $253 |
| 18 months | 2.79% | $421 |
| 24 months | 2.69% | $545 |
| 36 months | 0.85% | $257 |
| 48 months | 1.00% | $406 |
| 60 months | 0.45% | $227 |
Sources (3)
- scccu.org/personal/iras
- scccu.org/services/rates
- scccu.org/wp-content/uploads/2…eposit-Rates-9-14-26.pdf
All captured Oct 6, 2026
Who can join Santa Cruz Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.