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Winter 2022 - Spark Newsletter
PlatinumEdge VISA from Innovations
Auto Loans

Let lower payments drive you to greater savings.

New year, new opportunities. Do you need a new or used car for the kids, a new truck for yourself, a motorcycle or watercraft to get away from the grind, we make getting a Vehicle Loan easy.

We offer low rates and a variety of terms to get you into the vehicle that best serves your needs. And we’re a local lender, so you’ll get a fast decision. We can even help you refinance your current vehicle if you just want to lower your payments or get a better rate on a loan from another lender.

Ready to drive and save? Let’s get going.

Congratulations to our TMA graduates!

TMA Alumni TMA Alumni TMA Alumni

The Member Advantage (TMA) training helps managers and team members understand the importance of consistently providing member-focused service. Congratulations to our Innovations team who completed the training!

PlatinumEdge VISA from Innovations
Cash back, every month.

Cash back, every month.

Check your statement each month and there it is…cash back just for using your Ignite Rewards Checking Account. You can earn up to $8 per cycle*, which equals $96 a year.

But that’s not all. You can also receive up to $15 per month in foreign ATM refunds per cycle*. That’s with no minimum deposits, no minimum balance to receive awards and no monthly service fees. Plus, you’ll get additional benefits such as Mobile Banking, Online Banking, free Bill Pay, a free VISA® Debit Card and ID Protect®.

Learn how you can Ignite your monthly cash back earnings.

*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.

Octane Business Solutions

We’re here to help your business do business.

You’re passionate about your business. We’re passionate about helping it be successful. Let us fuel your business needs with Octane Business Solutions.

When you need money to move forward, expand your operations or upgrade your product mix, we are your local business partner. From start-up and equipment/machinery loans to vehicle loans, real estate loans, lines of credit and VISA® Credit Cards, our loans provide you everything you need now and well into the future. We also offer Octane Business Checking and Business Savings accounts.

You’re in business with fast decisions from a local lender. Call Kenzy Peake, Business Loan Officer, at 850.249.0803 or email him at kpeake@innovationsfcu.org.

You know where you want to go.

Don't forget to mark your calendar.

Join us for our 70th Annual Meeting and election being held virtually on March 22, 2022. Click here for details on how to attend.

There are four seats open with four candidates that have been nominated to serve on the Board of Directors:

  • Mr. Rob Fernandez, Chairman, Incumbent
  • Mr. Kristopher McLane, Treasurer, Incumbent
  • Ms. Anita Broughton, Director, Incumbent
  • Ms. Nancy Luther, Director, Incumbent

For additional information, contact Ruthie Parker at 850.249.0768.

Daniel Chaplik

Dan Chaplik
Lending Analytics and Collections Manager at Innovations

A benefit worth pursuing.

Troy University Panama City Support Center and Innovations have an established partnership. Through this partnership, Innovations team members and its members receive an application fee waiver and a 10% tuition reduction scholarship while attending TROY. The two parties were brought together through mutual employees coordinating, collaborating and realizing that the two organizations could mutually benefit from one another.

Dan began his time with TROY by receiving his Bachelor's degree in 2015 with TROY Online. Dan was focused on finding a school that would be more than just a piece of paper and provide reputable learning and challenges. Admitting that TROY far exceeded his expectations, he decided to come back to TROY again and pursue his Master's degree in 2019. Because of Dan's commitment to TROY and high regard for the value of his degree, TROY has been able to earn the business of dozens of Innovations team members and members.

Learn more about the TROY University Partnership on our Member Benefits section.

Scam Alert

Avoid being a money mule.

The FBI recently issued a public service announcement to help people from getting scammed into being a money mule. They define a money mule as someone who transfers funds on behalf of or at the direction of another. Money mules are recruited to assist criminals with laundering proceeds from illegal activities and are often promised easy money for their participation in moving funds. And if you help a scammer—even if it is unknowingly—you could face legal issues.

To protect yourself, they advise the following:

  • Do not accept job offers that ask you to receive company funds into your personal bank account or ask you to open a business bank account.
  • Be suspicious if a romantic partner asks you to receive or transfer funds from your account.
  • Do not provide your financial details to anyone (bank account info, login info, passwords, etc.)
  • Do not provide copies of your identification documents to anyone unless they represent a legitimate financial institution or governmental entity, and you do so either face to face or by an encrypted email service. (This would include driver’s license, passport, social security number, etc.)
  • Conduct online searches to corroborate any information provided to you before acting.
  • Contact us directly at 233.4400 if you have questions about financial transactions on your account.

For additional tips, visit the FBI's money mule awareness page.

Holiday Closings

Holiday Closings

Innovations will be closed in observance of the following holidays:

  • Martin Luther King Jr. Day: Monday, January 17, 2022
  • Presidents’ Day: Monday, February 21, 2022

Click here to see all of our scheduled holiday closings.

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