Better Banking Starts Here

Enjoy better rates, lower fees, and service that puts you first.

Open an Account
 

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.

Open an Account Online
Visit a Branch
 
 

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 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.

Open Your Account Online
 

Santa Rosa County FCU Reviews

 
 
“The whole staff at SRFCU make you feel like family.”
— Stephanie S.
“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.”
— Meredith Y.
“Great people. Great place. I’ve been banking here 25+ years and never looked back.”
— Bill R.
 
 
 

Frequently Asked Questions

  • 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

 

Questions?

Email memberservices@srcfcu.org or call (850) 623-3877.