Credit union · NCUA insured
Santa Rosa County FCU Credit Card Rates
Santa Rosa County FCU credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Santa Rosa County FCU’s credit card rates compare
Compared with banks and credit unions near Pensacola, FL, where Santa Rosa County FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Santa Rosa County FCU
9.90%APR
- Up to
- —
Mastercard Platinum
Lowest rate
Alabama Credit Union
8.90%APR
- Up to
- 12.90% APR
2nd-lowest rate
Eglin Federal Credit Union
8.90%APR
- Up to
- 15.90% APR
Santa Rosa County FCU credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard Classic
Subject to credit approval and conditions. SRCFCU membership required. Best for low fixed rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Low fixed rate APR for purchases is 12.90%. No balance transfer fees, no cash advance fees, no domestic transaction fees, and no transaction fee for purchases. Minimum finance charge is $0.50. Method of computing balance is Average Daily Balance (including new purchases). Over credit limit fee is $10. |
Mastercard Platinum
Subject to credit approval and conditions. SRCFCU membership required. Includes ScoreCard Rewards to earn points on qualifying purchases. Best for rewards and everyday spending.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Rates as low as 9.90% APR for purchases based on individual creditworthiness. No balance transfer fees, no cash advance fees, no domestic transaction fees, and no transaction fee for purchases. Minimum finance charge is $0.50. Method of computing balance is Average Daily Balance (including new purchases). Over credit limit fee is $10. Includes ScoreCard Rewards. |
Mastercard Starter
Subject to credit approval and conditions. SRCFCU membership required. Best for building credit, designed for young adults and first-time cardholders.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Annual percentage rate (APR) for purchases is 14.90%. No balance transfer fees, no cash advance fees, no domestic transaction fees, and no transaction fee for purchases. Minimum finance charge is $0.50. Method of computing balance is Average Daily Balance (including new purchases). Over credit limit fee is $10. |
Secured Mastercard
Subject to credit approval and conditions. SRCFCU membership required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Shares rate schedule with Mastercard Classic. APR for purchases is 12.90%. No transaction fee for purchases. Minimum finance charge is $0.50. Method of computing balance is Average Daily Balance (including new purchases). Over credit limit fee is $10. |
Sources (1)
- srcfcu.org/rates · captured Oct 5, 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.