The Santa Cruz Community Credit Union is a personal loan from Santa Cruz Community Credit Union. The ongoing APR is 740+ 9.99% (36 and 48 mo); 700-739 10.99%; 655-699 12.99%; 625-654 16.99% (36 mo only) (rates effective October 16, 2026). Typical credit limit: Borrow up to $25,000. Loan terms: Low fixed rates with terms up to 48 months.