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.

SCCECU checking accounts have no monthly maintenance fees or low balance fees. All checking accounts come with a free ATM/VISA debit card. There are no ATM transaction fees when the ATM/VISA debit card is used at any of 30 CO-OP ATM's in Santa Cruz County or more than 25,000 CO-OP ATM's nationwide. All SCCECU checking accounts also include free unlimited online Bill Payment services.

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.

Adventure Club is designed for kids up through the age of 12. It helps them establish good money management skills and teaches them the basics of saving well as giving them practical experience as they watch their account grow.

Cruzin Club is designed for teens age 13 through 17. In addition to savings accounts, Cruzin Club members are also eligible, in conjunction with a parent, to open a checking account and a low limit VISA credit card account.

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 $250,000. Individual Retirement Accounts (IRAs) are insured for an additional $250,000.