The Santa Cruz Community Credit Union is a personal loan from Santa Cruz Community Credit Union. The ongoing APR is 740+ 6.99% (120 mo) / 8.49% (180 mo); 700-739 7.74% / 9.24%; 655-699 8.49% / 9.99% (rates effective October 16, 2026). Typical credit limit: Maximum loan amount of $100,000. Loan terms: Flexible terms up to 180 months.