Credit union · NCUA insured
Santa Cruz Community Credit Union Savings Rates
Santa Cruz Community Credit Union’s best savings rate is 2.02% APY on $10,000, with its FlexFund. Rates checked October 16, 2026.
How Santa Cruz Community Credit Union’s savings 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
2.02%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $202
FlexFund
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
3rd-highest rate
BMO
0.80%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $80
Santa Cruz Community Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0001.76%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0001.26%
- QualifiedQualified2.02%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
FlexFund
2.02%APY
Minimum opening balance $500. Maximum initial balance $25,000. Up to 6 withdrawals per month allowed without penalty; $5 fee charged per withdrawal thereafter. No maintenance fees. Account earns a blended rate with APY based on balance (e.g. $4,999 balance earns blended 1.77% APY, $25,000 earns blended 1.97% APY, $30,000 earns blended 1.65% APY).
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $500 – $4,999Opening balance $500 - $4,999. Minimum balance $500 to earn stated APY. Blended APY example: $4,999 balance earns blended rate of 1.77% APY. · $500 to open | 1.76% | $500 | — | Opening balance $500 - $4,999. Minimum balance $500 to earn stated APY. Blended APY example: $4,999 balance earns blended rate of 1.77% APY. |
| $5,000 – $25,000Opening balance $5,000 - $25,000. Minimum balance $5,000 to earn stated APY. Blended APY example: $25,000 balance earns balanced rate of 1.97% APY. · $5,000 to open | 2.02% | $5,000 | $202 | Opening balance $5,000 - $25,000. Minimum balance $5,000 to earn stated APY. Blended APY example: $25,000 balance earns balanced rate of 1.97% APY. |
| $25,001 and upOpening balance $25,001+. Minimum balance $25,001 to earn stated APY. Blended APY example: $30,000 balance earns blended rate of 1.65% APY. · $25,001 to open | 0.04% | $25,001 | — | Opening balance $25,001+. Minimum balance $25,001 to earn stated APY. Blended APY example: $30,000 balance earns blended rate of 1.65% APY. |
Sources (3)
- scccu.org/personal/savings-accounts
- scccu.org/services/rates
- scccu.org/wp-content/uploads/2…eposit-Rates-9-14-26.pdf
All captured Oct 16, 2026
Super D'per Savings
1.55%APY
Must set up and maintain automatic deposit/transfer of at least $100/month from an SCCCU Checking Account. If no automatic deposit after 60 days, account will close and funds transferred to a regular Savings Account. Earns a 1.50% bonus to the regular Savings Account rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance $100 required to earn stated APY.$100 and up | 1.55% | $155 | Minimum balance $100 required to earn stated APY. |
Sources (3)
- scccu.org/personal/savings-accounts
- scccu.org/services/rates
- scccu.org/wp-content/uploads/2…eposit-Rates-9-14-26.pdf
All captured Oct 16, 2026
Money Market
1.26%APY
Santa Cruz Community Credit Union membership required. Federally insured by NCUA up to $250,000. Minimum balance required to earn stated APY. Prospective dividend rate and prospective APY may change monthly as determined by the Board of Directors. Dividends paid from current and available earnings after required transfers to reserves at the end of the dividend period.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 – $9,999Minimum balance of $2,500 required to earn stated APY. Opening balance range $2,500 to $9,999. Rate sheet p50 effective October 16, 2026; printable deposit rate sheet p61 effective September 14, 2026. · $2,500 to open | 1.26% | $2,500 | — | Minimum balance of $2,500 required to earn stated APY. Opening balance range $2,500 to $9,999. Rate sheet p50 effective October 16, 2026; printable deposit rate sheet p61 effective September 14, 2026. |
| $10,000 – $24,999Minimum balance of $10,000 required to earn stated APY. Opening balance range $10,000 to $24,999. Rate sheet p50 effective October 16, 2026; printable deposit rate sheet p61 effective September 14, 2026. · Unknown to open | 1.26% | Unknown | $126 | Minimum balance of $10,000 required to earn stated APY. Opening balance range $10,000 to $24,999. Rate sheet p50 effective October 16, 2026; printable deposit rate sheet p61 effective September 14, 2026. |
| $25,000 and upMinimum balance of $25,000 required to earn stated APY. Opening balance $25,000+. Rate sheet p50 effective October 16, 2026; printable deposit rate sheet p61 effective September 14, 2026. · Unknown to open | 1.26% | Unknown | — | Minimum balance of $25,000 required to earn stated APY. Opening balance $25,000+. Rate sheet p50 effective October 16, 2026; printable deposit rate sheet p61 effective September 14, 2026. |
Sources (3)
- scccu.org/personal/savings-accounts
- scccu.org/services/rates
- scccu.org/wp-content/uploads/2…eposit-Rates-9-14-26.pdf
All captured Oct 16, 2026
Regular Savings
0.04%APY
$5 minimum balance required to maintain membership at the Credit Union (gives one share of the Credit Union). $5 deposit required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 required to earn stated APY.$100 and up | 0.04% | $4 | Minimum balance of $100 required to earn stated APY. |
Special-purpose accounts
Holiday Club Savings
1.04%APY
$10 minimum balance required. No withdrawals allowed. If a withdrawal is made, account will be closed, funds transferred to SCCCU Savings account, and a $20 early withdrawal fee charged. Funds automatically transferred to SCCCU Savings or Checking account on closest Friday to November 15 each year. Earns 1% more than SCCCU Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance of $10 required to earn stated APY. Certain restrictions apply.$10 and up | 1.04% | $104 | Minimum balance of $10 required to earn stated APY. Certain restrictions apply. |
Sources (3)
- scccu.org/personal/savings-accounts
- scccu.org/services/rates
- scccu.org/wp-content/uploads/2…eposit-Rates-9-14-26.pdf
All captured Oct 16, 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.