The Santa Cruz Community Credit Union is a personal loan from Santa Cruz Community Credit Union. The ongoing APR is 0% (rates effective October 16, 2026). Approval typically requires a credit score of Available to borrowers with no or low credit or higher. Typical credit limit: Up to $1,000 (tiers: up to $500; $550 - $1,000). Loan terms: Up to $500: 3 months; $550 - $1,000: 6 months.