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About Innovations

Innovations is not a bank. We’re a credit union.

We’re a not-for-profit financial cooperative, made up of a bunch of wonderful members–all of whom have some kind of connection to Bay County. If you live, work, worship, volunteer, or attend school in Bay County, Florida, you’re eligible to join. Business and other legal entities are in too.

You can share the benefits with your family—whether they’re around the corner or across the country. Your spouse, your kids, your siblings, your parents, your grandparents, your grandchildren, your stepparents, stepchildren, stepsiblings, and adoptive relationships–they’re all eligible. Spouses of people who have died while within the field of membership can join Innovations. Credit union employees and their families can join too.

There are plenty of great reasons to join.

  • Lower rates on loans
  • Higher yields on savings
  • Fewer fees
  • Not-for-profit
  • Benefits you can share
  • We appreciate you

Choosing a financial institution really is a big decision.

But the more you learn about Innovations, the easier that decision becomes. We promise Innovations will treat both you and your money well. We’ll offer high yields on savings, lower rates on loans, and fewer fees all around (and not to brag, but we’re nicer).

Ready to Join? What a terrific decision!
Click here to see how easy it is to become a member. You can also stop by any of our branch locations and talk to a member representative. If you have questions you can always give us a call at 850.233.4400, or toll-free at 800.291.6272.

Remember: Once you’re a member, you’re always a member. You can move to Timbuktu or hop on a rocket to Mars. But as long as you keep your account open and in good standing, you’ll always have a home here at Innovations.

Innovations Federal Credit Union meets all USA Patriot Act Identity Verifications.

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