Santa Rosa County Credit Union Milton FL | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Santa Rosa County, your trusted partner for financial growth and community support since 1957. Located at 5909 Stewart St, Milton, FL 32570, our main office is dedicated to providing personalized banking solutions that cater to the unique needs of our members. With a strong commitment to fostering financial well-being, we proudly serve over 13,692 members and manage total assets of $203,897,441. At Santa Rosa County, we understand the importance of community. Our team, led by CEO Steve German and Board President Paul Hinson, works tirelessly to ensure that our services ranging from personal banking and auto loans to mortgage refinancing and business banking are accessible and beneficial for everyone in the area. Whether you're looking to save for a new home or start a small business, our experienced staff is here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to P.O. Box 841, Milton, FL 32572. As part of our mission, we take pride in maintaining a solid financial foundation with total deposits reaching $16,621,955 and net worth standing at $26,323,776. Our cash on hand is $3,193,930, ensuring that we are always ready to meet your financial needs. We invite you to explore what makes Santa Rosa County special. From our robust online banking services to drive-thru convenience and ATM access, we strive to provide a seamless banking experience tailored just for you. Call us at 850-623-3877 or visit our website at srcfcu.org today! Let us help you achieve your financial goals while becoming an integral part of our vibrant community.

Branch History & Mission

Accessibility and Convenience

We understand that modern banking requires convenience. That's why we offer various ways for you to access your accounts. Whether you prefer visiting us during our operating hours from Monday to Friday from 8:00 AM to 4:30 PM, utilizing our ATM services available on-site, or taking advantage of online and mobile banking options your needs are always prioritized. For any official correspondence, please note that while you can visit us at 5909 Stewart St, all mail should be sent to P.O. Box 841, Milton, FL 32572.

Join Us

As we continue this journey together, we invite you to become part of the Santa Rosa County Credit Union family. Experience personalized service that puts you first because here, you're not just a member; you're part of a community dedicated to helping each other thrive. For more information or to get started on your financial journey with us today, call us at 850-623-3877 or visit our website. Together, let's build a brighter future!

Our Mission

At Santa Rosa County Credit Union, our mission is clear: to provide exceptional financial services while making a positive impact in the communities we serve. We offer a range of services including personal banking, auto loans, mortgage options, and business banking solutions tailored to meet the diverse needs of our members. We believe that by empowering individuals financially, we can contribute to a stronger community overall. Our commitment extends beyond just banking. We actively engage in local outreach programs and partnerships that support education, health initiatives, and economic development in Milton and surrounding areas. This connection with our community drives us to innovate and adapt, ensuring that we remain relevant and responsive to your needs.

Branch Location & Accessibility

Easy Access and Amenities

Our branch is not only centrally located but also offers ample parking for your convenience. For those who may need assistance, we are ADA compliant with features like ramps and accessible entry points, ensuring that everyone can visit us with ease. We are proud to provide drive-thru banking services for quick transactions, allowing you to handle deposits and withdrawals without leaving your vehicle.

Operating Hours

We know your time is valuable. That's why we're open Monday through Friday from 8:00 a.m. to 4:30 p.m., making it easy for you to stop by before or after work. If you have questions or need assistance, don't hesitate to give us a call at 850-623-3877.

Services Tailored for You

At Santa Rosa County Credit Union, we offer a range of services tailored to fit your lifestyle. From personal banking solutions like checking and savings accounts to auto loans and mortgages, our dedicated team is here to help you achieve your financial goals. Plus, with ATM availability right at our location, accessing cash is always simple. While members can visit us at 5909 Stewart St, official correspondence should be sent to P.O. Box 841, Milton, FL 32572 if needed. We invite you to come experience the friendly service that sets us apart. Visit us today or reach out via phone we're here to make your banking experience as smooth as possible!

Member Eligibility

At Santa Rosa County, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in Santa Rosa County, you're likely eligible to join us. We also welcome immediate family members of existing members, making it easy for your loved ones to benefit from our services. Being part of Santa Rosa County means access to personalized banking solutions designed with you in mind, from checking and savings accounts to loans that fit your needs. To get started on your journey with us, just head over to our eligibility page at https://srcfcu.symapp.jhahosted.com for more details. When you're ready to open an account, you can find all the necessary information by visiting https://srcfcu.symapp.jhahosted.com . If you have any questions or need assistance, feel free to reach out at (850) 623-3877. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services that simplify payment processing for businesses of all sizes. Imagine a local café using our services to streamline transactions during the morning rush, allowing them to focus on serving delicious coffee instead of managing payments. Our solutions empower you to run your business smoothly while giving you more time to serve your customers. Visit us at 5909 Stewart St Milton Fl 32570 in Milton, FL, or call us at (850) 623-3877 to learn how our business banking services can help you thrive.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash or want to make a quick deposit? Take advantage of our ATM and drive-thru services! With basic access for withdrawals and balance checks, getting what you need has never been easier. Our drive-thru service allows for simple transactions without leaving your vehicle.

Business Banking

For our small business owners, we offer tailored business banking solutions. Our merchant services simplify payment processing so you can focus on what matters most growing your business. If you need additional funding, explore our business loans designed to help take your venture to new heights.

Contact Us Today!

At Santa Rosa County, we pride ourselves on being more than just a credit union; we're a community partner dedicated to helping you achieve your financial goals. If you'd like to learn more about any of our services or have questions about how we can assist you further, please give us a call at (850) 623-3877. We look forward to serving you! Explore all that we offer at Main Office and discover how we can help make your financial journey smoother today!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Santa Rosa County offers robust online and mobile banking options. You can manage your accounts anytime, anywhere with ease. Pay bills, transfer funds, or check your balance from the comfort of your home or on the go. Our mobile payments feature makes transactions quick and hassle-free.

Personal Banking

We offer various personal banking services that cater to everyday needs. From checking and savings accounts to assist you in managing your daily expenses, to auto loans that help you drive away in your dream car, we've got you covered. If you're considering buying a home, our mortgage loans and refinancing options can guide you through the process smoothly. Sometimes life throws unexpected expenses your way. For those moments, our personal loans and debt consolidation services can provide the financial relief you need without added stress. Plus, don't forget about our credit cards with rewards perfect for earning while you spend!

Digital & Online Banking

At Santa Rosa County, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to make managing your finances easier than ever. With 24/7 access to your accounts, you can stay in control wherever you are. Our online banking platform, accessible at https://www.srcfcu.org/ , allows you to check balances, pay bills, and transfer funds at any time. It's user-friendly and secure, so you can bank with peace of mind. Plus, if you're looking to save paper and reduce clutter, our e-statements feature lets you receive monthly statements electronically, which is not only convenient but also environmentally friendly. Yes, we offer e-statements! For those who prefer mobile banking, you'll love our dedicated mobile application. Whether you want to deposit checks or manage payments on the go, our app makes it simple. And speaking of payments our mobile payments feature allows you to make purchases directly from your phone with just a few taps. Need to send money quickly? Our person-to-person transfer service lets you send funds to friends and family in a flash perfect for splitting bills or sending gifts. We also support electronic signature authorization for added convenience when completing transactions. At Santa Rosa County, we prioritize your security while providing these essential services. Enjoy real-time account management and take control of your finances today! If you're ready to get started, visit us at https://www.srcfcu.org/ or reach out via phone at (850) 623-3877. Your financial well-being is just a click away!

Financial Strength

Committed Team

We also take pride in having 42 full-time employees and 0 part-time employees ready to serve you with knowledge and dedication. Our team is here to support you every step of the way.

Growing Membership

Total Share and Deposit Accounts: 28,183, showing a strong and growing member base that trusts us with their finances. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Santa Rosa County is your trusted partner. Visit us at 5909 Stewart St Milton Fl 32570 or call (850) 623-3877 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $26,323,776 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $1,823 in used auto loans and a total of $88,818,347 in loans and leases.

Member-Centric Savings

Members' savings are secured through $25,601,056 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $26,323,776, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,291 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $36,027,533 in used vehicle loans and $16,840,590 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new model or a reliable used vehicle, our team is ready to assist you with flexible terms and competitive rates.

Credit Lines

Our total credit lines amount to $9,420,900, providing additional flexibility for any unexpected expenses or planned purchases. These lines are designed to give you peace of mind knowing that funds are available when needed. If you're considering refinancing any existing loans or need guidance on eligibility requirements, our dedicated team at Santa Rosa County can help determine what options are available for you. To learn more about our loan offerings or to get started today, contact us at (850) 623-3877 or visit us at 5909 Stewart St Milton Fl 32570 in Milton, FL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're excited to be part of your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,476,439, make buying or refinancing simple. We guide you through each step of the process, ensuring you understand all your options and help you find a plan that fits your budget.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. We also offer flexible terms on these loans, with a total of $8,616,428 in loans helping members manage their finances effectively. This option allows you to take control of your spending while enjoying the benefits of rewards on purchases.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to make your search for the right loan straightforward and transparent. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means you receive fair and transparent offers that reflect the true market conditions. One of the standout features of LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency at every step. Furthermore, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect what's available in the market. Users benefit from real-time rate comparisons, which means you can access up-to-date loan rates from multiple institutions and make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and reliable LendMesh can be in helping individuals secure better financing options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

SANTA ROSA COUNTY FEDERAL CREDIT UNION