Credit union · NCUA insured
Innovations Financial Credit Union Auto Loan Rates
Top CarrotInnovations Financial Credit Union auto loans start at 2.99% APR for a new vehicle and 2.99% for a used one. Rates checked October 15, 2026.
How Innovations Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Panama City, FL, where Innovations Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Innovations Financial Credit Union
2.99%APR
- Terms
- —
- Up to
- —
New Vehicle Loan
2nd-lowest rate
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Panhandle Credit Union
3.99%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
Innovations Financial Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew2.99%
- Used vehicleUsed2.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Innovations Financial Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicle Loan
Loan decisions are based on applicant creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| — | 2.99% | Rates as low as 2.99% APR for financing or refinancing a vehicle. Loan decisions are based on applicant creditworthiness. |
Used Auto Loan
Available for purchasing or refinancing vehicles. Loan decisions are based on applicant creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| — | 2.99% | Rates as low as 2.99% APR for financing or refinancing a vehicle. Loan decisions are based on applicant creditworthiness. |
Who can join Innovations Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, attend school, or worship in the Florida counties of Bay, Holmes, Washington, Jackson, Calhoun, Gulf, Walton, Okaloosa, Franklin, or Liberty.
Employers and groups
- Businesses with an office in the membership counties are eligible for membership.
- Businesses, organizations, and associations where a member of the Credit Union is an owner, shareholder, member, or partner are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Other ways
- Trusts where a member of the Credit Union serves as settlor, trustee, or beneficiary are eligible for membership.
Cost to join
- A minimum deposit of $5 is required for a Business Savings account.
- A minimum deposit of $5 into a Savings account is required to establish and maintain membership.
Membership information collected October 5, 2026.