INNOVATIONS FINANCIAL CREDIT UNION

Welcome to Innovations Financial, your trusted community credit union located at 123 N Tyndall Pkwy, Panama City, FL 32404. Since our establishment in 1952, we have dedicated ourselves to serving the financial needs of our members with integrity and care. With a total membership of over 25,943 individuals, we pride ourselves on being more than just a financial institution; we're a part of your community. At Innovations Financial, our commitment extends beyond banking. We offer a comprehensive range of services designed to help you achieve your financial goals. From checking and savings accounts to auto loans and mortgage financing, we strive to provide solutions that fit your unique lifestyle. Our total assets of $609,752,961 and robust net worth of $57,164,150 reflect our stability and reliability as a financial partner. Our leadership team is devoted to ensuring you receive the best service possible. Under the guidance of our CEO, David Southall, and Board President Joshua Scribner, we are constantly looking for ways to improve and innovate our offerings. Whether you need assistance with personal loans or business banking solutions, our knowledgeable staff of 97 employees is here to help. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 15529, Panama City, FL 32406. We invite you to explore everything Innovations Financial has to offer by visiting us online at Innovations FCU or calling us at 850-233-4400. Join us today and experience the difference that a member-focused credit union can make in your financial journey!

Welcome to Innovations Financial, your friendly neighborhood credit union located at 123 N Tyndall Pkwy, Panama City, FL 32404. Our branch is easily accessible, making it convenient for members to drop by for all their banking needs. Whether you're coming from the nearby Bay County Public Library or just passing through the vibrant downtown area, you'll find us in a prime spot that's simple to reach. At Innovations Financial, we prioritize accessibility and comfort for all our members. Our parking lot is spacious and designed for easy access, including features that comply with ADA standards to accommodate everyone. If you need assistance while visiting, our team is always ready to help! Our lobby hours are Monday through Friday from 9 AM to 5 PM, so you can visit us during your lunch break or after work. If you prefer a quicker visit, our drive-thru service is open from 8 AM to 5 PM on weekdays perfect for quick deposits or withdrawals without leaving your car. For those who enjoy the convenience of ATMs, we have one available at our location for fast cash withdrawals and balance checks whenever you need them. While members can visit us at our physical branch, official correspondence should be sent to P.O. Box 15529, Panama City, FL 32406. If you're looking for personalized banking services such as checking and savings accounts, auto loans, mortgages, and more, stop by Innovations Financial today or give us a call at 850-233-4400. We're here to serve you and help make your banking experience smooth and enjoyable!

At Innovations Financial, we believe that everyone deserves the opportunity to be part of a supportive community that prioritizes your financial well-being. Becoming a member is simple and open to those who live, work, worship, or attend school in Bay County. We also welcome immediate family members of existing members. By joining us at our branch located at 123 N Tyndall Pkwy Panama City Fl 32404, you can enjoy a range of benefits designed to help you achieve your financial goals, from competitive loan rates to personalized service. If you're ready to take the next step, opening an account is just a click away! You can find all the details you need about eligibility and how to join by visiting . Our friendly team is also here to assist you just give us a call at (850) 233-4400 if you have any questions. We look forward to welcoming you into our community!

At Innovations Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that knowing your credit union is financially strong helps you feel confident in your banking choices. With a net worth of $57,164,150, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $975 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $168,617,066 in share certificates and $111,939,230 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to reinvesting in our community is evident with $39,977,061 in undivided earnings. This allows us to enhance our innovative banking tools and lending options while ensuring stronger security measures to serve you better. With $4,800 in used auto loans and $464,925,883 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $1,890,959, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 96 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 55,270, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Innovations Financial is your trusted partner. Visit us at 123 N Tyndall Pkwy Panama City Fl 32404 or call (850) 233-4400 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.