At Innovations FCU, membership isn't just about banking — it's about being part of a community that values your financial well-being. As a member, you enjoy exclusive perks and benefits designed to enhance your financial journey and support your personal goals.

"You gave me a chance, when no one else would. That means the world to me. Thank you"

Financial Advantages

Experience the financial benefits that come with being a member of a not-for-profit financial cooperative. As a member and owner, you have a stake in our success.

• Lower rates on loans
• Higher yields on savings
• Fewer fees

Exclusive Member Bonuses

Gain access to a range of exclusive benefits designed to support your financial health and provide peace of mind.

• Troy University Partnership
  Receive tuition scholarships for employees and members using the Corporate Partnership Code — TUIFCU.
• All American Air Conditioning and Foam Insulation, Inc
  Get 15% off all service calls and repairs or save $200 on the purchase of a new HVAC system.*
• LockMasters USA Inc.
  Save 10% on automotive services.

Protection and Peace of Mind

Your membership comes with added protection for your accounts and loans, ensuring your financial security.

• Accounts Insurance Protection
  Benefit from the highest combination of federal and private share savings deposit insurance.
• Loan & Asset Protection
  Secure additional insurance products for vehicles and loans.
• Franklin Madison Recuperative Care Insurance
  Receive cash benefits after a covered hospital stay.
• Franklin Madison Hospital Accident Plan (HAP)
  Get cash benefits for covered hospital stays.
• Accidental Death Insurance
  Enjoy $1,000 No-Cost coverage, with optional coverage up to $300,000.
• HomeServe
  Access affordable home repair plans.

We're committed to providing you with exceptional value and support. Join us today and unlock the full potential of your membership.