Saving money is an American tradition. Whether you're saving for retirement, a child's education, a special family vacation, or just a "rainy day", SCCECU can help.

Saving at SCCECU can benefit you and your family. Your savings always earn a competitive rate of return and, once you join SCCECU by opening your savings account, all family members (and anyone who shares your residence) can take advantage of the benefits of SCCECU Membership.

Our checking accounts are free from monthly "low balance" fees when you sign up for Direct Deposit or Payroll Deduction into your SCCECU checking account each month. If you choose not to take advantage of the convenience of Direct Deposit, you can also avoid the monthly low balance fees by maintaining a $500 minimum daily balance in your checking account. There are no monthly "maintenance" fees on any SCCECU checking accounts.

Individual Retirement Accounts (IRAs) are one of the best ways available to save for your future retirement and reduce your current tax liability at the same time. SCCECU offers a "no minimum balance" IRA account with no term requirement as well as IRA Certificate of Deposit accounts with a $2,000 minimum and terms from three months to three years. All of our IRA accounts earn a very competitive rate of return.

SCCECU consistently offers the best rate of return on Certificate of Deposit accounts of any financial institution in Santa Cruz County! We offer terms from three months to three years with minimum balances of $500, $2,500, and $20,000.

Our youth savings program, Adventure Club, is designed for kids up to the age of 12. It helps them establish good money management skills and teaches them the basics of saving, investing, and borrowing as well as giving them practical experience as they watch their accounts grow with SCCECU's great rate of return.

It's also fun. The kids receive a membership card, passbook, and coloring book when they join. As they add to their savings and reach certain plateaus, they are awarded with Club prizes. They also receive a small gift each time they make a deposit. Have your kids join the Adventure Club today!

Take some of the stress out of the annual holiday season by opening an SCCECU Holiday Club account. By using our Direct Deposit or Payroll Deduction services, you can contribute a small portion of each paycheck to saving for the gift giving season. We'll even help out by providing you with a high rate of return on on your Holiday Club account.

Rest assured your money is safe and secure at Santa Cruz County Employees Credit Union. It's important to know that all your SCCECU accounts are federally insured by the National Credit Union Administration. Your accounts are insured up to $100,000. Individual Retirement Accounts (IRAs) are insured for an additional $100,000.