Credit union · NCUA insured
Santa Rosa County FCU CD Rates
Santa Rosa County FCU’s best CD rate is 4.00% APY on an 18-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How Santa Rosa County FCU’s CD rates compare
Compared with banks and credit unions near Pensacola, FL, where Santa Rosa County FCU has the most branches. $10,000, best rate first.
This credit union’s best
Santa Rosa County FCU
4.00%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $606
Savings Certificates
Top rate
United Bank
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
2nd-highest rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
Santa Rosa County FCU CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Santa Rosa County FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Savings Certificates
Up to 4.00%APY · 8 terms
Membership required. Dividends are paid monthly and can be reinvested into the certificate or transferred to another share account with the credit union. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.90% | $22 |
| 6 months | 2.00% | $100 |
| 9 months | 3.51% | $262 |
| 12 months | 2.50% | $250 |
| 18 months | 4.00% | $606 |
| 24 months | 2.75% | $558 |
| 30 months | 2.75% | $702 |
| 36 months | 3.00% | $927 |
Special-purpose accounts
Individual Retirement Accounts (IRAs) Certificates
Up to 3.00%APY · 3 terms
Membership required. Dividends are paid quarterly and reinvested into the IRA certificate. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.50% | $250 |
| 24 months | 2.75% | $558 |
| 36 months | 3.00% | $927 |
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This may be incomplete or out of date, so check with the credit union before you apply.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.