Credit union · NCUA insured
Santa Rosa County FCU Savings Rates
Santa Rosa County FCU’s best savings rate is 0.30% APY on $10,000, with its Regular Share Savings Account. Rates checked October 15, 2026.
How Santa Rosa County FCU’s savings 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
0.30%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $30
Regular Share Savings Account
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Santa Rosa County FCU savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Savings Account
0.30%APY
Establishes credit union membership. Requires a $25 minimum opening deposit. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. SRCFCU membership required.Any balance | 0.30% | $30 | Dividends paid quarterly. SRCFCU membership required. |
Special-purpose accounts
Christmas Club Savings
0.30%APY
Designed for holiday savings all year long. SRCFCU membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSRCFCU membership required.Any balance | 0.30% | $30 | SRCFCU membership required. |
Health Savings Account (HSA)
0.30%APY
Must be covered by a qualified High Deductible Health Plan (HDHP), not enrolled in Medicare, and not claimed as a dependent on another person's tax return.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be covered by a qualified High Deductible Health Plan (HDHP). SRCFCU membership required.Any balance | 0.30% | $30 | Must be covered by a qualified High Deductible Health Plan (HDHP). SRCFCU membership required. |
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.