Credit union · NCUA insured
Innovations Financial Credit Union CD Rates
Top CarrotInnovations Financial Credit Union’s best CD rate is 4.00% APY on an 8-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How Innovations Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Panama City, FL, where Innovations Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Innovations Financial Credit Union
4.00%APY
- Term
- 8 months
- Minimum
- —
- Earns on $10,000
- $265
Compounding Share Certificates
Top rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
2nd-highest rate
Champions First Credit Union
4.30%APY
- Term
- 21 months
- Minimum
- $10,000
- Earns on $10,000
- $765
Innovations Financial Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Innovations Financial Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Compounding Share Certificates
Up to 4.00%APY · 8 terms
Rates shown for Share Certificate accounts are accurate as of 10/15/2026. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded and credited monthly; early withdrawal penalty applies | 3.00% | $74 |
| 6 monthsDividends compounded and credited monthly; early withdrawal penalty applies | 3.25% | $161 |
| 8 monthsDividends compounded and credited monthly; early withdrawal penalty applies | 4.00% | $265 |
| 12 monthsDividends compounded and credited monthly; early withdrawal penalty applies | 3.50% | $350 |
| 18 monthsDividends compounded and credited monthly; early withdrawal penalty applies | 3.65% | $552 |
| 24 monthsDividends compounded and credited monthly; early withdrawal penalty applies | 3.10% | $630 |
| 30 monthsDividends compounded and credited monthly; early withdrawal penalty applies | 3.05% | $780 |
| 36 monthsDividends compounded and credited monthly; early withdrawal penalty applies | 3.00% | $927 |
Sources (2)
All captured Oct 15, 2026
Non-Compounding Share Certificates
Up to 3.93%APY · 8 terms
Rates shown for Share Certificate accounts are accurate as of 10/15/2026. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies | 2.96% | $73 |
| 6 monthsEarly withdrawal penalty applies | 3.20% | $159 |
| 8 monthsEarly withdrawal penalty applies | 3.93% | $260 |
| 12 monthsEarly withdrawal penalty applies | 3.45% | $345 |
| 18 monthsEarly withdrawal penalty applies | 3.59% | $543 |
| 24 monthsEarly withdrawal penalty applies | 3.06% | $621 |
| 30 monthsEarly withdrawal penalty applies | 3.01% | $770 |
| 36 monthsEarly withdrawal penalty applies | 2.96% | $915 |
Sources (1)
- innovationsfcu.org/accounts/rates · captured Oct 15, 2026
Special-purpose accounts
Compounding IRA Share Certificates
Up to 4.00%APY · 8 terms
Rates shown for Share Certificate accounts are accurate as of 10/15/2026. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies | 3.00% | $74 |
| 6 monthsEarly withdrawal penalty applies | 3.25% | $161 |
| 8 monthsEarly withdrawal penalty applies | 4.00% | $265 |
| 12 monthsEarly withdrawal penalty applies | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty applies | 3.65% | $552 |
| 24 monthsEarly withdrawal penalty applies | 3.10% | $630 |
| 30 monthsEarly withdrawal penalty applies | 3.05% | $780 |
| 36 monthsEarly withdrawal penalty applies | 3.00% | $927 |
Sources (2)
All captured Oct 15, 2026
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.