Getting around town.

There's nothing better than the smell and feel of a new car or truck when cruising around town. You don't have to go far to enjoy the ride or to find a fantastic deal on an auto loan. You'll get great rates and terms plus a hassle-free application process when applying for a new vehicle loan or refinancing your current one with Innovations.

Just give us a call at 233.4400 or apply today to get moving.

*APR=Annual Percentage Rate. Limited-time offer with a floor of 1.99% APR. Existing loans at Innovations FCU are not eligible. Applicant must be an Innovations FCU member in good standing (or eligible for membership in Innovations FCU) and meet all loan approval requirements. Loan decisions are based on applicant creditworthiness. Innovations FCU reserves the right to terminate this promotion at any time without notice.

Thank you for making a difference.

Klothes for Kids, a ministry of Panama City Rescue Mission, recently concluded their annual back-to-school drive. The drive collected clothing and supplies for needy and homeless children in our area to prepare them for the upcoming school year. We are proud to have been part of the mission.

Thanks to all of you who participated in this worthwhile cause by giving the gift of confidence to our area youth. Your generosity is appreciated more than you know.

Accelerate your business growth with Octane.

Get your business ready to kick into another gear. Whether you're just getting started or expanding, our Octane Business Solutions can give you the power you need to succeed. Simply put, we created Octane specifically to afford small businesses in Bay County all of the tools you'll need to grow and thrive, including:

  • Octane Business Loans
  • Octane Savings and Investments
  • Octane Business Checking
  • Octane Electronic Services

Give your business a boost. Contact David Powell, Business Development Manager, at 850.249.0960, on his cell at 850.628.1917, or drop him an email at dpowell@innovationsfcu.org.

Better coverage than sunscreen.

Just as sunscreen protects you from the sun's harmful rays, insurance can protect you from life's harmful events. TruStage® Insurance has more than 60 years of experience, guarding millions of credit union members across the U.S. with great products and affordable rates. As an Innovations member, you can get member-only discounts on:

  • Accidental Death & Dismemberment Insurance
  • Auto Insurance
  • Home & Property Insurance
  • Life Insurance
  • Health Insurance

To learn more or to request a quote, visit TruStage® website.

You can thank your home for the loan.

Just about everyone has some sort of home improvement idea in mind. Maybe you've been thinking about putting in a pool or adding on a new deck. Perhaps you've always wanted to blow out a wall and expand your living room. Or it's conceivable that you may want to remodel the kitchen or bath. You can borrow the money you need from your home with our Home Equity Loans and Lines of Credit. Applying is easy and we'll help you decide which Home Equity product is best for the project you have in mind.

Our mortgage experts are ready to help you make your home even homier. Give them a call at 249.0509.

Get blazing bonuses with Ignite Rewards Checking.

We believe in rewarding good deeds. Like when you open a free Ignite Rewards Checking Account. There is no minimum balance to earn rewards and no minimum deposit, but you can earn up to $8 in cash back and $15 in ATM refunds per cycle. Plus there are a lot of other benefits such as Mobile and Online Banking, Bill Pay and IDProtect®. So why not sign up for the checking account that thanks you for being a member?

Just stop by any Innovations' branch to get started.

Holiday Closings

Innovations will be closed in observance of the following holidays:

  • Labor Day: Monday, September 5th
  • Columbus Day: Monday, October 10th

You can see all of our scheduled holiday closings here.

Important Notice

Due to the increase in fraud in our ATMs, Innovations FCU began placing holds on all ATM deposits as of July 5, 2016. For more information, contact us at 233.4400.


Funds Availability Policy Disclosure and Change in Terms Notice

Operating Statistics (5/31/2016)
Assets $175,047,530
Member Shares $156,607,400
Loans Outstanding $120,642,989
Members 18,771
How to Contact Us
Credit Union/Local 233.4400
Audio Response/Local 233.4414
Credit Union/Out of Area 800.291.6272
Audio Response/Out of Area 800.887.2634
More About Us
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