Credit union · NCUA insured
Santa Rosa County FCU
A $221.2M credit union headquartered in Milton, FL, with 13,743 members and 5 branches in Florida. Best rates: CDs 4.00% and savings 0.30% APY.
Santa Rosa County FCU Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#11 of 18 in Pensacola, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Santa Rosa County FCU
Founded in 1957 in a courthouse basement, Santa Rosa County Federal Credit Union began as a small teacher-focused credit union with a mission to serve local educators.
Now operating five branches in Milton, Pace, Gulf Breeze, and Jay, Florida, the institution is a financial cooperative owned and controlled by its members.
The credit union proudly serves individuals and families across Santa Rosa, Escambia, and Okaloosa Counties in Northwest Florida.
- Headquarters
- 5909 Stewart St, Milton, FL 32570
- NCUA charter
- 11780
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, goes to school, or worships in Santa Rosa, Escambia, or Okaloosa Counties.
Family and household
- Membership is open to immediate family members of someone who qualifies.
Cost to join
- A $25 deposit into a Savings (Share) Account activates membership and represents the member's share in the credit union.
Branches
5 branches in Florida
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Florida
5 branches
- Main OfficeMain office5909 Stewart St, Milton, FL 32570Directions
- Midway Branch4934 Gulf Breeze Pkwy, Gulf Breeze, FL 32563Directions
- Jay Branch3918 Highway 4, Jay, FL 32565Directions
- Milton Branch6499 Caroline St, Milton, FL 32570Directions
- Pace Branch3772 Highway 90, Pace, FL 32571Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.62% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.18% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.14% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $45 | $76 | — |
- CapitalNet worth ratio13.62%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.18%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$45Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Santa Rosa County FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.