Become a Member-Owner
More than a bank — we’re your local, not-for-profit credit union serving Northwest Florida. When you join Santa Rosa County Federal Credit Union, you become a member-owner with access to better rates, fewer fees, and personalized service.
Who Can Join?
Membership is open to anyone who:
- Lives, works, goes to school, or worships in Santa Rosa, Escambia, or Okaloosa Counties, or
- Is an immediate family member of someone who qualifies.
We’re proud to serve our local community and welcome you to join the SRCFCU family.
Why Join Santa Rosa County FCU?
Experience local service, better rates, and tools that make managing your money simple.
Better Rates
Enjoy competitive loan rates and fewer fees than big banks.
Digital Banking
Access your accounts anytime with online banking and mobile tools.
ATM Access
Use 30,000+ surcharge-free ATMs through the CO-OP network.
Account Security
Stay protected with alerts, card controls, and fraud monitoring.
Local Service
Friendly, personalized service from people who know your community.
All-in-One Banking
Checking, savings, loans, and more—all in one place.
What people are saying
“The whole staff at SRFCU make you feel like family.”
“A great place to bank! I love that whenever I call, a kind and helpful person answers—no recordings, no endless menus. It feels just like a hometown bank should.”
“Great people. Great place. I’ve been banking here 25+ years and never looked back.”
See Why Members Love SRCFCU
Discover the hometown service, local support, and personal experience our members have trusted for generations.
What You’ll Need to Open a Membership
Getting started is easy. Please have the following ready:
A government-issued photo ID
(Driver’s license, state ID, or military ID)Your current address information
If it differs from your ID, bring proof such as a utility bill, paystub, tax bill, or vehicle registration.$25 to open your Savings (Share) Account
This deposit activates your membership and gets your account started.
New Account FAQs
Most memberships can be opened in just a few minutes online or in-branch.
The $25 is your share in the credit union and remains in your savings as long as your account is open.
Yes! Joint owners can be added during the application process.
Yes, we offer accounts for kids and teens with a parent or guardian.
Learn More
