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Peace of Mind with Added Protection

Secure Your Savings

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Excess Share Insurance

As an Innovations member, you've made a smart choice for your financial future!

To further protect our members' accounts, we provide the highest combination of federal and private share savings deposit insurance available: $500,000, which includes savings accounts, checking accounts, money market accounts, and share certificates.

This exceptional level of protection is automatically added to your account at no cost to you and made possible through our affiliation with the Excess Share Insurance Corporation (ESI), a subsidiary of American Share Insurance, the nation's largest private deposit insurer.

Coverage Per Member With Excess Insurance*
Account TypeNCUA CoverageESI CoverageTotal Insured
Individual$250,000$250,000$500,000
Joint$250,000$250,000$500,000
IRA$250,000$250,000$500,000
Business$250,000$250,000$500,000

Both ESI and NCUA offer coverage payable only upon failure and liquidation of the credit union.

We're here to help secure your savings! Visit our branches or call us at (850) 233-4400 for more information.

You may also visit NCUA's Share Insurance Estimator to see what portion of your share accounts are insured and what portion, if any, exceeds coverage limits. Simply enter Innovations Financial Credit Union, Insured ID Number #68732, and all your share accounts to view your report.