Santa Rosa County Credit Union

Milton, Florida
Last verified: August 4, 2026
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Verified rate book

Current Santa Rosa County Credit Union rates

39 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

2 offers
Santa Rosa County Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Land Loanother6.490% APR6.490%—Standard
First Mortgage Refinanceother5.990% APR5.990%—Standard

Auto & vehicle rates

17 offers
Santa Rosa County Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New & Used Autoauto_any_36mo4.240% APR4.240%36 mo · anyStandard
New & Used Autoauto_any_66mo4.990% APR4.990%66 mo · anyStandard
New & Used Autoauto_any_75mo5.490% APR5.490%75 mo · anyStandard
New & Used Autoauto_any_84mo5.740% APR5.740%84 mo · anyStandard
New & Used Boat/Jetskiboat_any_60mo6.490% APR6.490%60 mo · anyStandard
New & Used RV/Motorhomerv_any_60mo6.490% APR6.490%60 mo · anyStandard
New & Used Motorcycle/4-Wheeler/ATVmotorcycle_any_60mo6.490% APR6.490%60 mo · anyStandard
New & Used RV/Motorhomerv_any_72mo6.740% APR6.740%72 mo · anyStandard
New & Used Boat/Jetskiboat_any_72mo6.740% APR6.740%72 mo · anyStandard
New & Used Motorcycle/4-Wheeler/ATVmotorcycle_any_72mo6.740% APR6.740%72 mo · anyStandard
Older Used Autoauto_used_48mo7.490% APR7.490%48 mo · usedStandard
New & Used Boat/Jetskiboat_any_84mo7.740% APR7.740%84 mo · anyStandard
New & Used RV/Motorhomerv_any_84mo7.740% APR7.740%84 mo · anyStandard
New & Used RV/Motorhomerv_any_120mo7.990% APR7.990%120 mo · anyStandard
New & Used Boat/Jetskiboat_any_120mo7.990% APR7.990%120 mo · anyStandard
New & Used RV/Motorhomerv_any_180mo8.240% APR8.240%180 mo · anyStandard
New & Used Credit Rebuilder Autoauto_any15.000% APR15.000%anyStandard

HELOC rates

1 offer
Santa Rosa County Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity/Home Improvementheloc6.240% APR6.240%—Standard

Personal loan rates

4 offers
Santa Rosa County Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Personal Line of Creditploc_variable9.900% APR9.900%60 moStandard
Christmaspersonal_unsecured_12mo9.900% APR9.900%12 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo10.400% APR10.400%60 moStandard
Starter Signaturepersonal_unsecured_12mo18.000% APR18.000%12 moStandard

Credit card rates

1 offer
Santa Rosa County Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Annual percentage rate (APR*) for purchasescredit_card14.900% APR14.900%—Standard

Savings & CD rates

9 offers
Santa Rosa County Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Health Savings Account (HSA)savings0.30% APY0.30%—Standard
3-Month Certificatecd_3mo0.90% APY0.90%3 moStandard
6-Month Certificatecd_6mo1.98% APY1.98%6 moStandard
30-Month Certificatecd_30mo2.72% APY2.72%30 moStandard
12-Month Certificatecd_12mo2.72% APY2.72%12 moStandard
18-Month Certificatecd_18mo2.72% APY2.72%18 moStandard
24-Month Certificatecd_24mo2.72% APY2.72%24 moStandard
36-Month Certificatecd_36mo2.72% APY2.72%36 moStandard
9-Month Certificatecd_9mo3.45% APY3.45%9 moStandard

Equipment loan rates

1 offer
Santa Rosa County Credit Union equipment loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New Tractorequipment_new_60mo8.900% APR8.900%—Standard

Other rates

4 offers
Santa Rosa County Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
12 Month Termother2.750% %2.750%—Standard
36 Month Termother2.750% %2.750%—Standard
24 Month Termother2.750% %2.750%—Standard
APR* for Purchasesother9.900% %9.900%—Standard

As of August 4, 2026, Santa Rosa County Credit Union offers mortgage rates from 6.49% APR. Vehicle loans available from 4.24% APR for 36 months. HELOC rates from 6.24% APR. Personal loan rates from 9.9% APR. Credit card rates from 14.9% APR. Savings and certificate yields up to 3.45% APY. Equipment loans from 8.9% APR.

Source: RateAPI.dev, verified from Santa Rosa County Credit Union's official website

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About Santa Rosa County Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
13.7K
Assets
$221.2M
Founded
1957
Locations reported
5
NCUA charter
11780
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Gulf WindsMilton Branch · Milton · FL · 32583About 12.9 miles awayEglinPace Branch · Pace · FL · 32571About 15.1 miles awayHarvestersECCO Branch · Milton · FL · 32571-1306About 15.1 miles awayMembers First Credit Union of FloriHwy. 90 Branch · Pace · FL · 32571About 15.1 miles awayNavy Federal Credit UnionPace FL · Pace · FL · 32571About 15.1 miles awayOkaloosa County TeachersOkaloosa County Teachers FCU · Baker · FL · 32531-2809About 18.7 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Santa Rosa County Credit Union

Membership eligibility from Santa Rosa County Credit Union's own published criteria. How we verify this.

Community charter: live/work in Santa Rosa, Escambia, Okaloosa

  • LocationSanta Rosa, Escambia, Okaloosa

Verified from Santa Rosa County Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Santa Rosa County Credit Union?

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Frequently Asked Questions

What rates does Santa Rosa County Credit Union offer?

Santa Rosa County Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Santa Rosa County Credit Union rates updated?

RateAPI verifies Santa Rosa County Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Santa Rosa County Credit Union's rate data?

Rate data is collected directly from Santa Rosa County Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Santa Rosa County Credit Union's mortgage rate?

As of August 4, 2026, Santa Rosa County Credit Union offers mortgage rates from 6.49% APR.

What are Santa Rosa County Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 4, 2026, Santa Rosa County Credit Union offers vehicle loans from 4.24% APR.

What is Santa Rosa County Credit Union's HELOC rate?

As of August 4, 2026, Santa Rosa County Credit Union offers home equity lines of credit from 6.24% APR.

What is Santa Rosa County Credit Union's personal loan rate?

As of August 4, 2026, Santa Rosa County Credit Union offers personal loans from 9.9% APR.

What is Santa Rosa County Credit Union's best CD rate?

As of August 4, 2026, Santa Rosa County Credit Union offers savings and certificate (CD) yields up to 3.45% APY.

Related Rate Data

Compare Santa Rosa County Credit Union's rates against national credit-union benchmarks.

More Florida credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Santa Rosa County Credit Union
curl "https://api.rateapi.dev/credit-unions/florida/santa-rosa-county" \
  -H "Authorization: Bearer YOUR_API_KEY"
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