Credit union · NCUA insured
Santa Rosa County FCU Auto Loan Rates
Santa Rosa County FCU auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How Santa Rosa County FCU’s auto loan rates compare
Compared with banks and credit unions near Pensacola, FL, where Santa Rosa County FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Santa Rosa County FCU
5.24%APR
- Terms
- up to 66 months
New & Used Auto
Lowest rate
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Santa Rosa County FCU auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Santa Rosa County FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New & Used Auto
Rate based on creditworthiness, vehicle age, and term of loan. Membership open to anyone who lives, works, worships, or attends school in Santa Rosa, Escambia, or Okaloosa Counties.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | — |
| up to 66 months | 5.24% | — |
| up to 75 months | 5.74% | — |
| up to 84 months | 5.99% | — |
New & Used Credit Rebuilder Auto
Rate based on creditworthiness and term of loan. Membership open to anyone who lives, works, worships, or attends school in Santa Rosa, Escambia, or Okaloosa Counties.
| Terms | APR | Conditions |
|---|---|---|
| — | 15.00% | — |
Sources (1)
- srcfcu.org/rates · captured Oct 15, 2026
New & Used Credit Starter Auto
Rate based on creditworthiness and term of loan. Membership open to anyone who lives, works, worships, or attends school in Santa Rosa, Escambia, or Okaloosa Counties.
| Terms | APR | Conditions |
|---|---|---|
| — | 15.00% | — |
Sources (1)
- srcfcu.org/rates · captured Oct 15, 2026
Older Used Auto
Rate based on creditworthiness, vehicle age, and term of loan. Membership open to anyone who lives, works, worships, or attends school in Santa Rosa, Escambia, or Okaloosa Counties.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.49% | — |
Sources (1)
- srcfcu.org/rates · captured Oct 15, 2026
Who can join Santa Rosa County FCU
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.
Membership information collected October 5, 2026.