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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. Those persons who live, work, attend school or worship in the Florida Counties of Bay, Holmes, Washington, Jackson, Calhoun, Gulf or Walton (the “Membership Counties”) and members of the immediate family of such persons;

  • those businesses which maintain an office located within any of the Membership Counties;
  • businesses, organizations and associations where a member of the Credit Union is an owner, shareholder, member, or partner;
  • trusts where a member of the Credit Union serves as settlor, trustee, or beneficiary or
  • the members of any foundation established by the Credit Union.

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 Financial Credit Union meets all USA Patriot Act Identity Verifications.

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