Your membership in Santa Rosa County Federal Credit Union is established by depositing $25.00 into a Regular Share Account. This account is your primary membership account and it entitles you to all the benefits the credit union has to offer. After you become a member, your spouse and family members are also eligible to join the Credit Union.

Our Regular Share Accounts require a minimum balance of $25.00 to stay on deposit as long as you maintain your account with the Credit Union and there are NO MONTHLY FEES to keep your account with us. We pay very competitive dividends quarterly on our Regular Share Accounts. Your savings are federally insured up to $250,000 per membership by NCUA (National Credit Union Administration, a U.S. Government Agency).

Make your holiday shopping easier this year--open a Christmas Club Account today.
Your Credit Union offers Christmas Club Accounts each year. The minimum deposit to open a Christmas Club Account is $5.00. Dividends are posted quarterly and you may make unlimited deposits to the account throughout the year. Christmas Club funds are transferred into your regular share account on November 1st each year.

Santa Rosa County Federal Credit Union offers a Share Draft (Checking) Account
with the following exceptional benefits:
No minimum balance
No monthly service charge
No per check charges
Overdraft protection from your Regular Share Account
Overdraft protection from a Line of Credit Loan
Debit Card
ATM Card
24-Hour access to your account through Call 24
Monthly Statements
Direct Deposit/Payroll Deduction

Debit Cards--Like writing a check, only better!
Tired of writing checks? Love the ease of credit cards but worry about debt getting out of control? The solution is a debit card, and it is available now from your Credit Union. Santa Rosa County Federal Credit Union is now offering a MasterCard Debit Card. It looks just like a credit card and is accepted anywhere you see the MasterCard logo. The money you spend is automatically deducted from your share draft account. It's as though you wrote the merchant a check, but it's quicker and doesn't require you to go through the hassle of presenting identification in order to complete your transaction. At the end of the month, your purchases show up on your share draft statement for final verification.

Your Debit Card also acts as an ATM card, allowing you to obtain cash 24 hours a day from most automated teller machines. Call or stop by one of your credit union offices for a Debit Card application.

Term Share Certificates
Our Term Share Certificates offer some of the most attractive certificate rates in the area. The minimum balance for each certificate is $1,000.00. Dividends are paid monthly and can be reinvested into the certificate or can be transferred to another share account with the Credit Union.

Individual Retirement Accounts (IRA's)
We also offer very attractive rates on our IRA certificates. The minimum balance for each IRA certificate is $25.00. Dividends are paid quarterly and are reinvested into the IRA certificate.