Credit union · NCUA insured
Santa Cruz Community Credit Union Credit Card Rates
Santa Cruz Community Credit Union credit cards start at 12.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Santa Cruz Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Santa Cruz, CA, where Santa Cruz Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Santa Cruz Community Credit Union
12.40%APR
- Up to
- —
Community Visa Card
2nd-lowest rate
Bay Federal Credit Union
15.49%APR
- Up to
- —
3rd-lowest rate
Wells Fargo
17.74%APR
- Up to
- 28.49% APR
Santa Cruz Community Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Santa Cruz Community Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Community Visa Card
Competitive fixed rate that stays the same for purchases, balance transfers, and cash advances. 5¢ donated to local non-profit organizations each time used. Minimum payment due within 10 calendar days after the 27th day of each month. Credit limit up to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | None | Fixed rate. No annual fee or balance transfer fee. |
Sources (2)
All captured Oct 16, 2026
Platinum Rewards Visa Card
Zero Liability protection. Minimum payment due within 10 calendar days after the first of each month. Variable APR based on the Prime Rate. Credit limit up to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49%–21.49% | None | Based on creditworthiness when opening account. APR will vary with the market based on the Prime Rate. No annual fee or balance transfer fee. |
Sources (2)
All captured Oct 16, 2026
Secured Visa Card
Security deposit from an SCCCU Savings Account required as collateral against credit line to open account. Minimum payment is due within 10 calendar days after the 27th day of each month.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | None | Low fixed interest rate. No annual fee or balance transfer fee. |
Sources (2)
All captured Oct 16, 2026
Who can join Santa Cruz Community Credit Union
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