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).