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Spark Your Savings

It pays to have an account at Innovations! We’re giving back to our members by increasing our certificate rates.

Give your savings a spark with these high yield Share Certificate options!

Compounding Share Certificates

Term APY* Dividend Rate
8 Months 3.04% 3.00%
12 Months 3.56% 3.50%
18 Months 4.07% 4.00%

Non-Compounding Share Certificates

Term APY* Dividend Rate
8 Months 3.00% 3.00%
12 Months 3.50% 3.50%
18 Months 4.00% 4.00%

With a minimum deposit of $1,000, you can enjoy maximum savings with a guaranteed rate of return. Earning has never been easier—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 February 05, 2023.

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