Credit union · NCUA insured
Innovations Financial Credit Union Credit Card Rates
Top CarrotInnovations Financial Credit Union credit cards start at 7.50% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Innovations Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near Panama City, FL, where Innovations Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Innovations Financial Credit Union
7.50%APR
- Up to
- 16.75% APR
Platinum VISA® Credit Card
2nd-lowest rate
Community South Credit Union
7.90%APR
- Up to
- —
3rd-lowest rate
Panhandle Credit Union
9.90%APR
- Up to
- —
Innovations Financial Credit Union credit card score
95
Credit card score
Higher than 97% of U.S. banks and credit unions
- Purchase APRPurchase APR7.50%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum VISA® Credit Card
Rate is based on creditworthiness. No penalty APR, no minimum interest charge, no balance transfer fees, no cash advance fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.50%–16.75% | None | Rate is based on creditworthiness. |
Sources (2)
All captured Oct 7, 2026
PlatinumEdge VISA® Rewards Credit Card
Rate is based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.50%–17.75% | None | Rate is based on creditworthiness. |
Sources (2)
All captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.