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Jim Kott

James R. Kott (Jim) - Our Beloved Chairman

In Memoriam (December 27, 1940 — May 1, 2017) - View obituary

The one thing you should always have with you.

Whether you’re traveling around the world or just around the corner, be sure to always bring along your Innovations' Platinum VISA® Credit Card or PlatinumEdge VISA® Awards Card.

Both offer great rates with no annual fees so you can be ready for any emergency or just shop with confidence. With the PlatinumEdge VISA® Awards Card, you’ll also earn Extra Reward points on the purchases you make

Apply now and enjoy your journey. Even if you have no particular place to go.

By the way, Apple Pay™ is available. Learn all about it.

Springing for Seniors

The Junior League of Panama City’s annual Springing for Seniors drive was recently held to collect items for the area’s seniors. For the third year, we were proud to partner with the Junior League’s Elderly Outreach Committee by having our branches serve as a drop-off stations for donations of toiletries, food, blankets, cash and other items that fulfilled wish lists for 107 seniors who are clients of the Bay County Council on Aging.

According to the Florida Department of Elder Affairs, more than 13% of Bay County’s seniors live below 125% of the poverty threshold. We are so very thankful for all of the donations we received from people in the community, our members and staff.

Photo (left to right): Tricia Berry, President, JLPC; Lydia Vickery, Director of Volunteer Services, Council on Aging; Beth Coulliette, Executive Director, Council on Aging; Ruthie Parker, Marketing Director, Innovations; Grace Clifton, JLPC member and Innovations team member; Laurie Hughes, JLPC member; Robin Khalidy, Council on Aging; Amy Polick, JLPC member; Karen Hurst, Senior Vice President, Innovations; Tina Kennon, President-Elect, JLPC; David Southall, President & CEO, Innovations; and Jenna Andrews, JLPC member.

We go the extra mile for you.

Buying a new vehicle can be a bit bothersome. We’re here to make the process a lot easier for you. Before you start shopping for a new or used car or truck, talk with us first. We provide you with an easy online application and a fast approval process so you can have your financing in place before hitting the dealerships. Or if you’re just in the market to lower your current vehicle loan with another lender, let us see if we can reduce your monthly payment.

Apply online and let’s get you rolling. If you have any questions, contact us at 233.4400 or toll-free at 800.291.6272.

Time to give winter the brush off.

You’ve had plenty of time to take a good, hard look at your home over the winter. As a result, you probably have a laundry list of things you’d like to update, improve and/or change altogether. Now is the perfect time to get started. And your home can even help you with the financing.

We have two Home Equity options: a Home Equity Loan or a Home Equity Line of Credit (HELOC).

Stop by any Innovations' branch or simply simply contact our mortgage experts at 850.249.0386. We'll be happy to explain the differences and how each can benefit your project.

Holiday Closings

Innovations will be closed in observance of the following holidays:

  • Memorial Day: Monday, May 29th
  • Independence Day: Tuesday, July 4th

Click here for the complete list of holiday closings.

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