Members First Credit Union of FL is a full-service financial institution that is open for membership to those who live, work, ... and attend school in Escambia, Santa Rosa and Okaloosa County. We are a not-for-profit financial cooperative, owned by its members, governed by a volunteer board of directors elected by the membership, and staffed by financial service professionals. Members First Credit Union of Florida is also recognized as a 5-Star financial institution by Bauerfinancial Inc. for security, strength, and reliability. read more