Credit union · NCUA insured
Innovations Financial Credit Union Savings Rates
Top CarrotInnovations Financial Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Innovations Financial Credit Union’s savings 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
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Innovations Financial Credit Union savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.25%APY
Rates are variable and subject to change monthly. Accurate as of the last dividend date. Fees may reduce earnings. Up to $500,000 combined federal (NCUA) and private share savings deposit insurance available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.25% | $25 |
| $100,000 and up | 1.00% | — |
| $250,000 and up | 2.40% | — |
Sources (2)
All captured Oct 5, 2026
Share Savings
0.15%APY
Zero monthly service charges. Minimum deposit of $5 required to open and maintain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum balance of $100 to earn dividends.$100 and up | 0.15% | $15 | Must maintain a minimum balance of $100 to earn dividends. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Share Account
0.25%APY
Available as Traditional and Roth IRAs. Open with as little as $5.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.25% | — |
| $10,000 and up | 0.25% | $25 |
Sources (2)
All captured Sep 18, 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.