The Santa Cruz Community Credit Union All Credit Levels is a cdfi lender from Santa Cruz Community Credit Union. The annual fee is $0. The ongoing APR is 9.74%. Rewards: SCCCU offers various financial wellness resources, including free financial guidance, workshops, and access to financial counseling services.. This product reports activity to your personal credit report. Santa Cruz Community Credit Union (SCCCU) is a member-owned financial institution located in Santa Cruz, CA, dedicated to providing a range of financial services to its community. It serves individuals and businesses in the Santa Cruz area, focusing on promoting financial wellness and inclusion. Services include: personal loans, auto loans, business loans, home loans. US Treasury certified CDFI Credit Union in Santa Cruz, CA. Membership required.