Welcome to Sacramento Credit Union

Loans that go the distance.
Rates that excite.

Whether you’re buying new, used, or refinancing, enjoy Auto Loan rates as low as 4.99% APR.³

Apply Now

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.

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Checking Icon

FREE REWARDS CHECKING:
Free Checking That Pays!

Get rewarded every day.
Earn 4.35% APY¹ on balances up to $20,000. Plus, with Direct Deposit, you can get your Payday up to 2 days early!²

  • $0 Minimum Balance
  • $0 Fees
  • 30,000+ ATMs
Get Started Today!

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

Security Padlock on Keyboard with SCU Credit Card

FRAUD PROTECTION:
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.

Learn More

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.

Certificates Tile 2

CERTIFICATES:
Secure Savings. Guaranteed Returns.

Certificates are stable savings tools that are fixed-rate and reliable. Choose from various terms to meet your goals. Plus, once your Certificate matures, you can reinvest to keep earning, or cash out to use your money.

Get Started Today!

GOVERNMENT
SHUTDOWN ASSISTANCE

SCU Government
Shutdown Assistance
Program

GOVERNMENT SHUTDOWN ASSISTANCE

SCU Government Shutdown Assistance Program

If your pay is impacted, we're here for you. To help members affected by the government shutdown, we're offering an assistance program.

California Capital on a sunny day.

GOVERNMENT SHUTDOWN ASSISTANCE
SCU Government Shutdown Assistance Program

If your pay is impacted, we're here for you. To help members affected by the government shutdown, we're offering an asssitance program.

Learn More

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

New Home

HOME LOANS:
First, next, refi or forever, your home is waiting.

No matter what your home loan needs, Sacramento Credit Union is right there with you at every step of the way. Whether you are looking for your first home, your next home, or it’s time to refinance your existing home loan, our dedicated and local team of Mortgage Loan Consultants are here to help.

Learn More and Apply

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.

Resting in back of SUV

GOVERNMENT SHUTDOWN ASSISTANCE
SCU Government Shutdown Assistance Program

If your pay is impacted, we're here for you. To help members affected by the government shutdown, we're offering an asssitance program.

Learn More

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.

youth savings account

YOUTH ACCOUNTS

Youth banking made simple.

Help your child learn healthy money habits. It’s never too early to start building financial confidence.

Learn More

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

Community Impact

Built for Sacramento. Designed for your life. Committed to your community.

Explore our bond with the community

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.

Learn More & Apply
White Car on white background

4% Cashback, $0 Annual Fees and the power of Visa Platinum.

Learn More & Apply

Member Memories

Sacramento Credit Union has been a game-changer for me! As a credit union, not a
money hungry bank, their services are tailored to your needs, not theirs. They offer
great rates, easy online and mobile banking, and great support."

Jonathan P.

Member Memories

"The way I was treated from beginning to end; the professionalism, the level of comfort
and communication throughout and after my loan experience... second to none."

Keith J.

Member Memories

"I love Sacramento Credit Union, whether it's Sacramento, Elk Grove, or Folsom, I've always had an amazing experience here. Never have to wait, and they have competitive rates."

Itxel G.

Member Memories

"I've been a [member] for over twenty years, opening my account downtown. I've never had a problem with this credit union... Very customer service oriented. Always ready to help you. I'd give them 10 stars if I could."

Paul W.