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Fall 2021 - Spark Newsletter
Merry Christmas from Innovations
Mobile Banking Award

Our Mobile Banking app is top notch.

On Wednesday, November 17th, Innovations was presented with a National Award for our Mobile Banking app. We received the highest approval rating from users across the country!

If you're not using the Innovations Mobile Banking app yet, now would be the perfect time to see what all the excitement is about.


Your search starts and ends here.

Your vehicle search starts and ends here.

Thanks to technology, we can virtually do anything now—including buying a car. With our new Find a Vehicle service, just enter details of the car or truck you’re interested in and you’ll get a listing of all available vehicles that match these criteria. Each listing will show the price, odometer reading, location and how long the vehicle has been listed. Other benefits and features include:

  • Virtual Test Drives
  • A Price Curve tool that lets you know if the listing is fairly priced
  • The Find a Better Price tool that will search for better deals on similar vehicles
  • Free CARFAX™ reports
  • A free myEZ Car Care Membership for members with a vehicle financed through Innovations
  • A 90-Day Trial Subscription of SiriusXM for members with a vehicle financed through Innovations
  • And so much more!

Don’t forget to get pre-approved for an Auto Loan with us before you make a purchasing decision.

Members with Vehicles Financed by Innovations:

Starting the week of December 6th, you will begin receiving welcome emails from MyEZ Car Care Auto Service & Travel Network and SiriusXM™. Both emails will contain information about these new benefits and an activation code to get started. So be on the lookout!

Octane Business Loans
Skip through the holidays.

Skip through the holidays.

Keeping an eye on your income and expenses, especially during the holidays, can seem like a full-time job. Take a break this upcoming holiday season with our Skip-A-Payment* program. For a low fee of just $25, you can skip a qualified Innovations loan payment in November, December or January, to have extra money on hand for gift shopping, travel expenses, or to put toward other important expenses.

Get started today with our Skip-A-Payment* program. If you have questions or need assistance, give us a call at 850.249.1149 or 800.261.6272.

*Skip-A-Payment does not apply to home equity or mortgage loans, mobile home loans, workout loans, business loans or student loans. Offer is subject to approval and all accounts must be current to qualify. Only one month’s payment per loan during the months of November, December or January is eligible to be skipped. There is a $25 total service charge per membership for the loan payment(s) skipped and will extend the term of each loan by one month. A loan’s first payment is not eligible to be skipped. If you choose to skip a payment, interest will continue to accrue on your loan during the skipped month. Members who have purchased GAP coverage are responsible for skipped payment(s) in the event of a claim deficiency as stated in the GAP waiver addendum.

Seven decades of service.

Mark your calendar.

Our 70th Annual Meeting and election is being held on March 22, 2022 at the Thomas Drive branch. Join us as we celebrate seven decades of service focused on quality member experience.

For additional information, contact Ruthie Parker at 850.249.0768.

2021 Coats for Kids

A million thanks.

Thank you to everyone who contributed to the 2021 Annual Coats For Kids drive hosted by Manuel & Thompson PA. The coats that were collected will help students in need stay warm this winter.

Thank you again from all of us here at Innovations!

2021 Bay County Heart Walk 5K

Walk this way.

On Saturday, October 30th, Team Innovations gathered at Florida State University—Panama City to help raise awareness and money for the American Heart Association via the 2021 Bay County Heart Walk 5K. Our team had a great time.

Many thanks to all of our team members and the people who so generously sponsored them.

Zogo Financial Literacy App

Earn while you learn.

Financial education is important, no matter what stage of life you’re in. Zogo helps to make learning and understanding financial concepts fun and easy by providing bite-sized financial quizzes. You can earn real-life rewards in the process, such as gift cards to your favorite stores or services like Amazon or DoorDash.

  • LEARN: There are more than 300 modules to work through with topics ranging from getting credit and buying a car to opening a checking account.
  • PLAY: Daily trivia questions help reinforce the lessons you’ve learned along the way, making it fun to progress through modules, gaining financial knowledge as you go.
  • EARN: You’ll earn “pineapples” for completing modules and answering trivia questions, and you can build your point balance even more by inviting others to learn and play, too.

Just download the Zogo app, create an account and use our access code: INNOVATIONS

Are you an Educator or School looking to teach financial literacy to your students?
Turn homework assignments into a game, literally. It has never been easier to incorporate engaging financial literacy content into education. Used alongside your own curriculum, Zogo allows you to engage students beyond the classroom because it’s accessible, interactive and digitized—everything you need to encourage continued learning.

Learn more about Zogo and how to get started.

Ignite your cashback earnings.

Ignite your cashback earnings.

Some people say it takes money to make money. We say all you really need is our Ignite Rewards Checking. Just do what you normally do with a checking account, but instead of paying fees on accounts from other financial institutions, you’ll earn up to $8 cash back per cycle* and up to $15 on ATM refunds per cycle* with your Innovations Ignite Rewards Checking account. There is no minimum deposit, no minimum balance, and no monthly service fees. Plus, you’ll have a host of online services available to make your financial experience even better.

Spark change with your finances. Open your Ignite Rewards Checking account today.

*To qualify, you must enroll in and receive eStatements and clear at least 15 debit card transactions per cycle. For any cycle in which you do not qualify, there are no penalties, but you will forfeit cash back and ATM refunds.

Identity protection you can count on.

Identity protection you can count on.

Identity theft is a very real and wide-spread problem. Protect your good name, your identity and your money with IDProtect®, another benefit included with Ignite Rewards Checking. You’ll receive daily credit file monitoring* with automated alerts of key changes to your credit report, as well as identity monitoring* of more than 1,000 databases and public records to look for and spot suspicious activity. And that’s just the tip of the iceberg on the protection you’ll receive.

Check out our IDProtect® page to review all the benefits and learn how to enroll.

*Registration/activation is required. Insurance products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guarantee by the credit union or any credit union affiliate.

Identity protection you can count on.

Extra Awards® on every purchase.

Our PlatinumEdge VISA® Awards Credit Card earns you Extra Awards® points on every purchase you make. Whether you need groceries or you’re diving into your holiday shopping, the points just keep adding up.

Curious about what you can get with Extra Awards® points? Visit our Extra Award® page to learn more about the program and see all the retailers that are involved.

Apply today and get the gift that keeps giving back.

Holiday Closings

Holiday Closings

Innovations will be closed in observance of the following holidays:

  • Columbus Day: Monday, October 11, 2021
  • Veterans Day: Thursday, November 11, 2021
  • Thanksgiving Day: Thursday, November 25, 2021
  • Christmas Day: Friday, December 24, 2021 (observed*)
  • New Year’s Day: Friday, December 31, 2021 (observed**)

Click here to see all of our scheduled holiday closings.

*Christmas Day falls on Saturday. The Federal Reserve Board of Governors is closed on December 24, 2021 in recognition of Christmas Day.
**New Year’s Day falls on Saturday. The Federal Reserve Board of Governors is closed on December 31, 2021 in recognition of New Year’s Day.

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