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Boost Your Savings

Time is money and our newly increased rates can help you reach your financial goals!

Build your savings without risk with these high yield Share Certificate options. But hurry, these special rates expire on March 31st.

Compounding Share Certificates

Term APY* Dividend Rate
91 Days 5.12% 5.00%
6 Months 5.12% 5.00%
8 Months 5.12% 5.00%
12 Months 3.56% 3.50%
18 Months 4.07% 4.00%
24 Months 4.86% 4.75%
30 Months 3.81% 3.75%
36 Months 3.56% 3.50%

Non-Compounding Share Certificates

Term APY* Dividend Rate
91 Days 5.00% 5.00%
6 Months 5.00% 5.00%
8 Months 5.00% 5.00%
12 Months 3.50% 3.50%
18 Months 4.00% 4.00%
24 Months 4.75% 4.75%
30 Months 3.75% 3.75%
36 Months 3.50% 3.50%


With a minimum deposit of $1,000, you can enjoy maximum savings with a guaranteed rate of return. Make the switch and move your money now – stop by any Innovations branch to open your certificate or call us at 850.233.4400 for more information.


APY = Annual Percentage Yield. $1,000 minimum balance to open account and earn interest. Rates may vary and are subject to change. Fees may reduce earnings. You may not make a deposit to the certificate until the stated maturity date. Early withdrawal penalties may be imposed for withdrawals before the maturity of a certificate. Each certificate will automatically renew for successive periods equal to the original terms until your
receipt is presented for payment on any maturity date or until we give written notice of our election to call the certificate for payment on any maturity date at least thirty days prior to such maturity date. Rates shown for certificate accounts are accurate as of April 02, 2023.

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