With an average 4.8 out of 5-star member satisfaction rating, we pride ourselves on providing top-notch member service. Opening a new account is a breeze, thanks to our straightforward process. Our personable and knowledgeable staff are here to guide you through your financial needs.

Who is Eligible for Membership?

• Individuals who live, work, attend school, or worship in the Florida Counties of Bay, Holmes, Washington, Jackson, Calhoun, Gulf, Walton, Okaloosa, Franklin, or Liberty.
• Family Ties: Immediate family members of eligible individuals.
• Business Presence: Businesses with an office in the Membership Counties.
• Member Connections: Businesses, organizations, and associations where a member of the Credit Union is an owner, shareholder, member, or partner.
• Trusts: Trusts where a member of the Credit Union serves as settlor, trustee, or beneficiary.

Ready to open your account?

Let's Get Started! Visit any of our branches, and our friendly team will be there to guide you every step of the way. Here's what you need to bring:

• Bring one form of identification (ID) like your driver's license. Your ID must have your picture and signature on it.
• We will need your Social Security Number (SSN). In some circumstances, your Social Security Card may be required.
• Verification of address if different from your ID or driver's license (e.g., utility bill, unexpired passport, voter registration card, etc.).
• Names, birth dates, addresses, phone numbers, and driver's license numbers of all account holders.
• For minors, if they do not have a picture ID, bring their Social Security Card.
• Minimum deposit of $5 for your Savings account. Maintain this balance, and you'll remain an Innovations member for life.

We'll verify your identity with a credit check*. Once this process is complete, you'll have access to your account immediately.

New Accounts for Businesses

Let's get started and boost your efficiency! Stop by any of our branches, and our knowledgeable team will assist you throughout the entire process. Here's what you need to bring:

• LLC or Corporate Documents
  • Articles of Administration from Sunbiz. Please note: The individuals who are listed in the Articles must be present at the time of opening the account.
  • Business EIN Verification Letter from Internal Revenue Service (IRS), if applicable.
• Proof of identification (ID) for authorized account users.
• Minimum deposit of $5 for your Business Savings account.

Financial Solutions Tailored to Your Goals

From Checking Accounts and Share Certificates to Auto Loans, Mortgages, VISA^® Credit Cards, and solutions for businesses, we offer a range of products and services tailored to your needs. Let us know what interests you, and we'll get you set up quickly and easily.

Our Promise to You

• Exceptional Financial Products
• Friendly Atmosphere
• Knowledgeable Staff
• Custom Financial Solutions
• Fast, Accurate, and Professional Service

We're committed to helping you thrive financially. Join us today and experience the Innovations difference!

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US Patriot Act New Accounts Information

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.