The Santa Cruz Community Credit Union is a auto loan from Santa Cruz Community Credit Union. The ongoing APR is Up to 120 months: 740+ 5.99%; 700-739 7.00%; 655-699 10.74% (rates effective October 16, 2026). Typical credit limit: Maximum loan amount of $100,000, excluding tax & license; minimum loan amount of $45,000 for up to 180 months. Loan terms: Up to 120 months (up to 180 months with minimum $45,000).