Florida CD rates › Credit unions › Innovations Financial
Credit union · HQ Panama City, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Innovations Financial currently posts 16 CD rates from 2.96% to 4.00% APY. Their sheet states an effective date of shown for Share Certificate accounts are accurate as of today.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 3 mo | 3.00% | $1k | |
| 3 mo | 2.96% | $1k | |
| 6 mo | 3.25% | $1k | |
| 6 mo | 3.20% | $1k | |
| 8 mo | 4.00% | $1k | |
| 8 mo | 3.93% | $1k | |
| 1 yr | 3.50% | $1k | |
| 1 yr | 3.45% | $1k | |
| 18 mo | 3.65% | $1k | |
| 18 mo | 3.59% | $1k | |
| 2 yr | 3.10% | $1k | |
| 2 yr | 3.06% | $1k | |
| 30 mo | 3.05% | $1k | |
| 30 mo | 3.01% | $1k | |
| 3 yr | 3.00% | $1k | |
| 3 yr | 2.96% | $1k |
Anyone who lives, works, attends school or worships in 10 Northwest Florida counties (plus their immediate family) can join. Counties: Bay, Holmes, Washington, Jackson, Calhoun, Gulf, Walton, Okaloosa, Franklin, Liberty. Family of existing members can generally join too.
10 branches in 3 counties: Bay (Lynn Haven, Panama City, Panama City Beach) · Holmes (Bonifay) · Washington (Chipley)
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions