Skip to Content
Download the Innovations FCU App
Innovations FCU Mobile Banking App Download it now

Updated April 2, 2020

A special COVID-19 message from the CEO.

As we all know, the situation regarding COVID-19 (Coronavirus) remains fluid at this time. Innovations continues to follow all available guidelines and regulations to make the best effort to keep our members and team members as safe as possible during this time. We have been here for you in past emergencies and trying times and know that we are here for you again.

Communication Channels to watch for further updates:

We feel communication is the key to preventing panic and stress when it comes to your credit union. We encourage you to follow our website and Facebook page, as well as watch for the updated emails we send out with information that is as current as we can provide during these changing times.

Your funds are insured by the National Credit Union Administration (NCUA):

For more information about the NCUA, please click here. You can also download the brochure.

Drive-thru only service begins Monday, March 23, at the following branches:

Thomas Drive (Drive-Thru Only)
Drive-Thru: 8:00 a.m. – 5:00 p.m. (Monday – Friday)
910 Thomas Drive in Panama City Beach, FL
23rd Street (Drive-Thru Only)
Drive-Thru: 8:00 a.m. – 5:00 p.m. (Monday – Friday)
700 West 23rd Street in Panama City, FL
Harrison Avenue (Drive-Thru Only)
Drive-Thru: 8:00 a.m. – 5:00 p.m. (Monday – Friday)
1038 Harrison Avenue in Panama City, FL
Lynn Haven (Drive-Thru Only)
Drive-Thru: 8:00 a.m. – 5:00 p.m. (Monday – Friday)
2250 South Highway 77 in Lynn Haven, FL
Callaway (Drive-Thru Only)
Drive-Thru: 8:00 a.m. – 5:00 p.m. (Monday – Friday)
123 North Tyndall Parkway in Panama City, FL

Should you have a need to enter one of the branch locations, please call 850.249.1098.

Concerns about your Innovations Loan Payment:

If your workplace has limited your hours or temporarily closed and you have a loan with Innovations, please reach out to 850.249.0538. We want to help you and we will evaluate each member’s needs on a case by case basis.

Paycheck Protection Program

Learn more about this program for small businesses impacted by COVID-19.

Concerns about your Innovations Business Loan Payment:

If you have a business loan with Innovations and you have concerns, we are evaluating those on a case by case basis as well. Please call 850.249.0960.

Notice of Annual Meeting and Annual Election scheduled for March 24, 2020 has been cancelled:

Out of an abundance of caution for both employees and members alike concerning the COVID–19 virus we are postponing the Annual Meeting. Please watch for the announcement of a new date.

During this time please remember you have several ways to access your credit union and accounts through electronic services:

If you need assistance with any of these options, please call 850.249.0497.

Once again, we are all in this together, and we will get through this together. We are your credit union and we are here for you.


David Southall
President and CEO

Posted March 9, 2020

At Innovations, our highest priority is the safety and security of our members and staff.

Innovations is monitoring the COVID-19 coronavirus health threat and following the guidance from federal agencies and health experts. We want to inform our members that we have a business continuity plan in place for any disruptions of services, such as a branch closure. We are also advising members and staff to stay home and seek medical treatment if they exhibit any signs of sickness such as fever, cough or shortness of breath.

Innovations members can always conduct transactions 24/7 with our Online and Mobile Banking services. If you are hesitant or unable to visit an Innovations branch, consider conducting business remotely by accessing your accounts using one of the following options:

If you need assistance setting up any of these services or would like to speak with a Financial Service Representative, please call 850.233.4400 or send a secure message via Online or Mobile Banking.

The Centers for Disease Control and Prevention (CDC) has issued a communication on prevention and treatment that outlines the best actions to take in order to reduce the risk of exposure and spread of the virus:

  • Avoid close contact with people who are sick.
  • Avoid touching your eyes, nose and mouth.
  • Stay home when you are sick.
  • Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
  • Clean and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe.
  • Wash your hands often with soap and water for at least 20 seconds, especially after going to the bathroom; before eating; and after blowing your nose, coughing, or sneezing. If soap and water are not readily available, use an alcohol-based hand sanitizer with at least 60% alcohol. Always wash hands with soap and water if hands are visibly dirty.

We are taking all precautions where possible to protect our members and staff. If there are any changes or disruptions to service that affect members, we will post updates to our website and social media platforms.


David Southall President and CEO

? FAQs
Frequently Asked Questions
Back to top