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Hurricane Michael Updates:

(Updated 11/16/18)

A Message from David Southall, CEO

Hurricane Michael struck on October 10th and has definitely left an impact on all of us. Our Community, our families and friends, our credit union, and our members all have been affected, and as CEO of Innovations, I’m proud to say that we have done everything in our power to help those in need. Our employees have put their personal matters aside to be here for our members, and we are forever grateful to those who sacrificed so much to make a difference at Innovations. Once the storm passed, our Executive Team worked diligently to open as quickly as possible – and we were able to open just days after the storm, beginning with our Thomas Drive branch on Sunday October 14th, followed by Callaway and Lynn Haven the next day. Each day we were able to increase the number of services to our members. Today, we are operating full service at 4 of our 6 branches. Two branches received extensive damages and will be closed for repairs. Those branches are 1038 Harrison Avenue and 700 W 23rd Street. We will continue to update you on our progress.

We felt it was critical that we provide immediate help to our members of Innovations. We implemented several programs immediately following the storm. We offered up to 90 day deferments on loans, along with a Hurricane Assistance Loan, and a waiver of fees. To date, we have provided assistance to thousands of members and the requests continue each and every day. Credit bureau reporting has also been temporarily suspended to our two agencies; Trans Union and Equifax. Communication during events like this is crucial, and we have been communicating to our members primarily through social media / Facebook and our website. We will continue to use these for future communication and updates, and we ask our friends of Innovations to be patient and considerate when posting comments on social media. We all know firsthand how frustrating it has been to communicate and be consistent through this difficult time, and most negative experiences were able to be resolved. We have done a lot of things very well during this, and we have also had some things that didn’t go so well.

Our motto is ‘People helping People’, and our promise is to ‘Always provide service that exceeds our members’ expectations through each stage of their lives’. We were here for you before Hurricane Michael, we were here with you during Hurricane Michael, and we will be here for you after Hurricane Michael to help you and your family into the future.

I would like to once again share the phone numbers of my executive team. If we can help you, please let us know.

David Southall, President / CEO: 850.276.2451
Scott Gladden, Senior Vice President: 850.625.3597
Karen Hurst, Senior Vice President: 850.527.5867
Jeremy Hinton, Senior Vice President: 850.625.4332

Please continue to watch for updates. #sparkchange #850strong

To all of our members affected by Hurricane Michael.

We understand this is a very difficult and emotional time for everyone involved. We are trying to restore access to your banking services with us as quickly as possible given the limited resources we have available to us.

In order to keep you up-to-date on everything we are doing to recover from Hurricane Michael, we have created this page to post updates. Please bookmark this page and check it regularly.

To provide you with even more up-to-the-minute updates, please like and follow us on Facebook as we post our progress there.

Innovations is here to help.

Given the devastating destruction of Hurricane Michael, we understand you’ve got a lot on your mind. In order to help you concentrate more on taking care of your family, personal issues and other priorities, Innovations has already started waiving late payment fees on all Innovations loans and suspended credit bureau reporting for our members affected by Hurricane Michael.

We are now offering these assistance programs* to relieve the burden of your financial worries:

  • Up to 90-day deferrals on your current Innovations loans – please contact our Call Center at 1.888.313.7837
  • Hurricane Assistance Loans – please contact our Lending Call Center at 1.877.536.2933

Our Call Center is open 24/7 to assist you. We do anticipate a high call volume, so your patience when trying to get through is highly appreciated. Please know your call will be answered in the order in which it was received

When calling, it is very important to provide your most current email and/or phone number, especially if you are contacting us from an email or phone number we don’t have on record for you.

If you have access to email, we will be able to process your request electronically with an electronic signature form so you will not need to visit a branch to complete your request.


Deadline to apply for Hurricane Assistance Programs is November 30, 2018.

Innovations Business/Commercial Loan Assistance

If your business has been affected by Hurricane Michael and you need assistance with your Innovations’ business or commercial loan we will be glad to help. Please call one of the specialists below:

  • David Powell – 850.249.0960
  • Carrie Infinger – 850.249.0578

Innovations Mortgage Assistance

If you have been affected by Hurricane Michael and you need assistance with your Innovations Mortgage, please call one of our Mortgage Specialists.

  • Gina Mann – 850.249.0572
  • Casey Fiser – 850.249.0386

Vehicle Totaled?

If your vehicle was totaled during Hurricane Michael and you have your auto loan with Innovations, we want to help you get back in the driver’s seat as quickly as possible. Click here to learn what you need to do.

Open Branches and ATMs

These branches and ATMs are open to assist you:

Thomas Drive
Drive-Thru Hours: 8:00 a.m. — 5:00 p.m. (Monday – Friday)
Lobby Hours: 9:00 a.m. — 5:00 p.m. (Monday – Friday)
ATM is open
910 Thomas Drive in Panama City Beach, FL
Back Beach
Lobby Hours: 8:00 a.m. — 5:00 p.m. (Monday – Friday)
ATM is open
17900 Panama City Beach Parkway in Panama City Beach, FL
Lynn Haven
Drive-Thru Hours: 8:00 a.m. — 5:00 p.m. (Monday – Friday)
Lobby Hours: 9:00 a.m. — 5:00 p.m. (Monday – Friday) – limited lobby service
ATM is open
2250 South Highway 77 in Lynn Haven, FL
Drive-Thru Hours: 8:00 a.m. — 5:00 p.m. (Monday – Friday)
Lobby Hours: 9:00 a.m. — 5:00 p.m. (Monday – Friday)
ATM is open
123 North Tyndall Parkway in Panama City, FL
ATM at the west end of the beach is open
ATM at the 23rd Street branch is open

These branches and ATMs are currently closed for repairs:

Harrison Avenue
Branch closed for repairs — Temporary office opening soon.
ATM is not operational
23rd Street
Branch closed for repairs.
Marina Civic Center ATM is not operational

Please stay tuned for further updates as they take place.

Our main telephone number is now operational and will reach our Thomas Branch. Our Call Center is also available at 1.888.313.7837 to assist you with any questions or concerns.

We apologize for the inconvenience but want you to know we are working diligently to improve a disastrous situation as rapidly as we can. Thank you for your patience during this most difficult time.

Please check back for details.

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