A- A+
Home Equity Line of Credit

New Year. New Look.

Tired of your old flooring? Ready for new kitchen countertops? Time to update your bathroom? With our Home Equity Loan or Line of Credit, you can use the equity in your home to make remodeling projects happen. Or use the money to pay off high-rate holiday debt.

To get started, you can apply online, simply stop by any Innovations branch and let’s discuss which option is best for your particular project. Or give us a call at 850.249.0386 and we’ll be happy to answer any questions.

Skip a Payment

Time to heat things up.

Spark some great rewards from your checking account. With Ignite Rewards Checking, you’ll earn cash back and ATM fee refunds each cycle*. There is no minimum deposit to open the account, no minimum balance necessary to earn rewards and no service fees. Plus you'll get Free Mobile Banking, Free Online Banking, Free Bill Pay, Free eStatements and a Free VISA® Debit Card.

Warm up to a better kind of checking. Stop by any Innovations branch today to get started.

*To qualify, simply enroll in and receive eStatements and clear 15 debit card transactions per cycle. If you don't qualify during a cycle, there are no penalties. It's free and so easy to get started.

Annual Meeting

Our 2018 Annual Meeting is right around the corner.

Have you ever been to one of our Annual Meetings? They really are quite informative. We’ll report on what happened in 2017 and introduce some exciting plans for 2018. So join us this year at 6:00 p.m. on Tuesday, March 20, 2018 at our Thomas Drive branch and see what your credit union has in store.

Being a member means you're also an owner, so you get a chance to vote in the election of new Board of Directors.

VISA travel

Be ready for anything.

Having your own Innovations Platinum VISA® Credit Card can be very reassuring. It’s safe and secure for making in-store and online purchases. We offer extremely competitive rates. Plus, you won’t pay an annual fee or balance transfer fees. Or, you can get all the same great benefits with our PlatinumEdge VISA® Awards Card and earn awards in the process.

Go for the platinum! You can apply online, at any convenient branch or just give us a call at 233.4400 or 800.291.6272 to get started.

Ready for Apple Pay™? It's ready for you.

Time to get moving.

Prepare to roll into 2018.

We can already tell this is going to be an incredible year. Get in on the excitement with a new vehicle loan or refinancing from Innovations for a car, truck, motorcycle, boat, personal watercraft and/or recreational vehicle. We offer great rates, excellent terms and a hassle-free experience.

Why should everyone else have all the fun? Apply online or stop by any convenient branch and let's get you moving.

Now that's what we call smart.

Now that's what we call smart.

With our Click Mobile app, you can use your smartphone to help you with your finances while you’re on the move. Check your accounts, make transfers, find Innovations ATMs and branches, pay bills with Picture Pay, deposit checks with Remote Deposit Capture, access card controls to turn your Innovations debit or credit cards on and off, alert us to your travel plans*, and so much more.

Download our mobile app now and boost your smartphone's IQ. Don't forget to rate our app after you've had a chance to try it out.

*Whenever you're planning on traveling out of the area and you intend to use your Innovations VISA® Debit and/or Credit Card, please let us know before you go. Our fraud monitoring service watches for transactions that don't match your normal spending patterns and may place a block on your card if something seems suspicious. To make sure you're good to go, stop by any branch or use the Card Controls feature within our Mobile App to notify us.

Coming Soon – A new Callaway branch location.

Coming Soon – A new Callaway branch location

We're so excited to announce we will be moving our Callaway branch to 123 N. Tyndall Parkway in Panama City in early 2018. The new building will be bigger and better for our members, with services such as a drive-thru, drive-up ATM, safe deposit boxes, all in a larger, more comfortable space.

We'll continue to provide you with updates as things progress. Stay tuned!

Three great ways membership pays with Sprint®.

It’s Sprint’s best Credit Union Member Cash Rewards offer ever!

Looking for a great plan and a little extra cash? Innovations members can tap into the Sprint Unlimited Plan and these amazing cash rewards.

  1. Members can get a $100 CASH REWARD for every new line you activate with Sprint.
  2. Current Sprint customers get a $50 cash reward for every new line transferred into Sprint Credit Union Member Cash Rewards.
  3. You’ll get a $50 loyalty cash reward every year for every line.
  4. Credit union members are eligible for 25% off accessories with the Sprint Credit Union Member Cash Rewards program.

Plus, enjoy Sprint’s reliability, which now beats T-Mobile and performs within 1% of AT&T & Verizon*. You can also enjoy a great price for fully featured Unlimited.

Get all the benefits of credit union membership. Sign up today.

Sprint - works for me

Get started today!

  • Become a Sprint customer and mention you’re a credit union member.
  • Register at Sprint Rewards.
  • Allow up to six to eight weeks to see cash rewards deposited into your credit union account.

*Claim based on Sprint’s analysis of latest Nielsen drive test data for average network reliability (voice & data) in top 106 markets.

Holiday Closings

Holiday Closings

Innovations will be closed in observance of the following holidays:

  • New Year's Day: Monday, January 1
  • Martin Luther King Jr. Day: Monday, January 15
  • Presidents' Day: Monday, February 19

Click here to see all of our scheduled holiday closings.

Innovations Logo