The Santa Cruz Community Credit Union is a auto loan from Santa Cruz Community Credit Union. The ongoing APR is By FICO range (rates effective October 16, 2026): 740+ 4.74% (48 mo) / 5.24% (60) / 5.74% (72) / 6.24% (84); 700-739 5.74% / 5.99% / 6.74% / 7.24%; 655-699 6.74% / 7.24% / 7.74% / 8.24%; 625-654 7.99% / 8.24% / 8.99% / 9.74%; 570-624 10.99% / 11.49% / 12.99%; <570 13.49% / 13.99% / 15.49%. Loan terms: Terms up to 84 months.