Holiday Closure: All SCU Branches and Contact Center will be closed on November 27, 2025, for Thanksgiving Day.
Welcome to Sacramento Credit Union
A simple, smarter
place to bank.
The banking products you need, the digital access you require, and the awesome service you deserve.
Explore the ways we can help you succeed and thrive.
FREE REWARDS CHECKING
Earn 4.35% APY¹
on balances
up to $20,000
FREE REWARDS CHECKING
Earn more. Pay Less. Get rewarded every day.
Earn 4.35% APY¹ on balances up to $20,000! Our Free Rewards Checking Account lets you earn 4.35% APY¹ on balances up to $20,000 and provides 24/7 access to fit your busy schedule. Plus, get access to 30,000+ surcharge-free ATMs.
Get 4.35% APY 1
on Balances
$0 Monthly
Service Fees
$0 Minimum
Balance
Valuable Added
Benefits
Get paid 2 days early!²
Sign up for Direct Deposit and receive your paycheck up to 2 days earlier than your regularly scheduled payday.
FRAUD PROTECTION
Stronger Protection.
Safer Banking.
FRAUD PREVENTION
Stronger Protection. Safer Banking.
Your security is a top priority at SCU. We continually work to keep your information safe, your banking secure and keep up-to-date on current fraud trends.
24/7
Monitoring
Free
Account Alerts
Member Education
& Resources
Fraud
Prevention Tips
Safeguard yourself and your family
Explore our Fraud Prevention information to learn more about fraud, scams, and how you can maximize your safety and security
CERTIFICATES
Secure savings.
Guaranteed returns.
CERTIFICATES
Secure Savings. Guaranteed Returns.
Lock in your savings with guaranteed returns. Choose a term that fits your goals and enjoy peace of mind knowing your money is working for you.
Guaranteed,
Fixed Returns
Flexible Terms:
3-60 Months
Safe & Secure
Growth
$1,000
Minimum Deposit
Certificates are smart, steady & reliable!
Choose from various rates & terms to meet your goals. Plus, once your Certificate matures, you can reinvest to keep earning, or cash out to use your money.
HOME LOANS
First, next, refi or
forever, your home
is waiting.
HOME LOANS
First, next, refi or forever,
your home is waiting.
Choose Sacramento Credit Union for Your Home Loan or Refinance. We have flexible mortgage options for every stage of homeownership. Whether it’s your first home, your next home, or a refinance, we have loan programs built around your goals.
Low
Rates
Fast
Processing
Excellent
Service
Local
Decisions
CAR LOANS
Finance the rides
of your life
VEHICLE LOANS
Finance the rides of your life.
Finance your new or used vehicle, or refinance your current loan with a SCU Auto Loan. Quick approvals and local decisions make it easy to hit the road.
Low Rates
As Low As 4.99%APR3
New, Used,
Refinanced Loans
Flexible
Terms
Fast, Local
Decisions
Buy or Refi and Save!
When it comes to auto financing, steer your loan towards us. At Sacramento Credit Union we’ll help you buy a new or used vehicle or refinance your auto loan from another lender.
Youth Accounts
Youth Banking
Made Simple.
YOUTH ACCOUNTS
Youth Banking Made Simple.
Help your child learn healthy money habits. It’s never too early to start building financial confidence.
Free Youth
Savings Accounts
Free Teen
Checking Accounts
Free Financial
Education Resources
$0 Monthly
Service Fee
Start Smart. Save Early.
Children and teens can become SCU members by opening a Youth Savings Account, and Youth Checking Accounts are a great option for members between 13-17 years old to learn lifelong money management skills.
Today's Featured Rates
Check out our current rates for Auto Loans, Credit Cards, Certificates, Mortgages and more — all designed to help you lend, earn, and save.
AUTO LOANS
Rates as low as
4.99%
APR
CREDIT CARDS
Rates as low as
11.75%
APR
HOME LOANS
Rates as low as
5.639%
APR
Finance the rides of your life
When it comes to auto financing, steer your loan towards us. At Sacramento Credit Union we’ll help you buy a new or used vehicle or refinance your auto loan from another lender. Apply today and get a loan you’ll love.
