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Innovations Financial

P. O. Box 15529, Panama City, FL 32406
NCUA Insured3.5 (32 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P. O. Box 15529

Panama City, FL 32406

Service Area

This credit union is located in Panama City and serves members in the FL area. Currently serving 27,089 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.25%

Used Auto Loan

7.65%

Personal Loan

16.25%

Credit Card APR

8.75%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(9 total)

Member Reviews

3.5

32 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Tracy Butler

Tracy Butler

7 months ago

Lisa winters is who I dealt with. she was truly great, she made everything go so smoothly. not only is she kind and professional but always answering any questions I had and responded in a timely manner. I will definitely refer her to anyone looking for a loan. She deserves more than the 5 stars. Thank you Lisa

Ashlee Wiggins

Ashlee Wiggins

5 months ago

This particular branch, among the many local establishments, is indeed one of my preferred locations. The tellers consistently demonstrate a high level of kindness, friendliness, and occasional humor, and they are always prepared to assist with any financial requirements you may have.

Joe Hall

Joe Hall

10 months ago

Been banking with them for years. I always get great service and they always greet me with a smile. I love the online banking app. It's very user friendly. If you are looking to get a bank account or change banks, give Innovations a try!

tanya Powell

tanya Powell

3 years ago

This is the slowest innovations location… The office lady will sit in her office and ignore the long line of people waiting for the assistance of one counter employee. The drive through with only one other car also takes an extended amount of time. If you have plans best find another branch.

Heather L

Heather L

2 years ago

Today I went through the drive thru to process a loan payment. The individual did not say one word to me through the entire process. Sent out my receipt and never even a hello or goodbye. I have worked in the banking industry for 15 years and that is ridiculous. The online banking platform is pretty sad as well.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).