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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Innovations Financial Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Innovations Financial Credit Union's 6 month Compounding CDs rates are at 3.25%, 6 month Non-Compounding CDs rates are at 3.20%, 18 month Compounding CDs rates are at 3.15%, 8 month Compounding CDs rates are at 3.15%, 8 month Non-Compounding CDs rates are at 3.11%. Innovations Financial Credit Union's savings rates are at 0.20%. Innovations Financial Credit Union's money market rates are at 0.25%. Innovations Financial Credit Union's Personal Loan Rates are at 2.99%. MonitorBankRates evaluates the financial stability of Innovations Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.11%. Rates were last updated on 04/19/2026. Innovations Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Innovations Financial Credit Union? Share your experience about Innovations Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Innovations Financial Credit Union. Innovations Financial Credit Union
Innovations FCU 910 Thomas Dr
https://www.innovationsfcu.org Panama City, FL 32408 7442 
Innovations Financial Credit Union CD Rates
Innovations Financial Credit Union Savings Rates
Innovations Financial Credit Union Money Market Rates
Innovations Financial Credit Union Checking Rates
Innovations Financial Credit Union Auto Loan Rates
Innovations Financial Credit Union Credit Card Rates
Innovations Financial Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Innovations Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Innovations Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Innovations Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Innovations Financial Credit Union
Website
https://www.innovationsfcu.org
Address
910 Thomas Dr,
Panama City, FL 32408 7442
Phone
850-233-4400
Fax
President
Joshua Scribner
CEO
David Southall
Full-Time Employees
102
Part-Time Employees
1
Branch Locations
9
ATM Locations
14
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.11%
Return on Assets (ROA)
0.6195%
Return on Equity (ROE)
6.5584%
Non-Performing Loans Ratio (NPL)
0.13%
Total Assets
625,332,972
Total Amount of Shares and Deposits
559,977,603
Total Shares and Deposits < 1 Year
520,238,690
Total Shares and Deposits 1 3 Years
39,738,913
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
144,936,025
Total Uninsured Shares and Deposits > $250K (F+J)
144,936,025
Total Insured Shares and Deposits > $250K (item 17 less item K)
415,041,578
Total Interest Expense (Sum of items 6 8)
8,992,240
Share Certificates
2,809
Number of Accounts for Share Drafts
21,963
IRA KEOGH Accounts
671
Number of Accounts for Regular Shares
30,450
Money Market Shares
928
Net Income (unless the amount is already included in Undivided Earnings)
3,873,746
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,182,137
Total Liabilities
579,380,358
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Innovations Financial Credit UnionIs Innovations Financial Credit Union a safe place to deposit money?Yes, Innovations Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 1.1143990408701%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Innovations Financial Credit Union operate?Innovations Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Innovations Financial Credit Union?Yes, to access services at Innovations Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Innovations Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Innovations Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Innovations Financial Credit Union offer online and mobile banking?Most modern institutions like Innovations Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.innovationsfcu.org. Current Innovations Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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