Locations & Hours

Our Roots in Northwest Florida

At Santa Rosa County Federal Credit Union, we believe that knowing where you're going starts with remembering where you began. Our story started in 1957, not in a glass high-rise, but in a modest office tucked away in the basement of the Santa Rosa County Courthouse. Originally founded to serve the dedicated educators of the Milton area, we’ve spent over 65 years growing alongside the families of the Florida Panhandle.

Today, our footprint has expanded beyond that courthouse basement. Whether you live, work, or worship in Santa Rosa, Escambia, or Okaloosa Counties, you are part of our mission. Our branches stretch across Santa Rosa County to be right where you need us most:

• Milton & Pace: Serving the heart of Santa Rosa County, from the historic Blackwater River area to the booming residential communities in Pace.

• Gulf Breeze: Providing convenient financial services for our coastal neighbors along the Highway 98 corridor.

• Jay: Staying true to our rural roots by supporting the northern end of the county with personalized, small-town service.

From the red clay hills of North County to the white sands of the Gulf, SRCFCU is proud to be a member-owned cooperative. Because we don't answer to stockholders, we answer to you—returning our profits through better rates and local community support.