Innovations Mobile Banking

Innovations Mobile Banking allows you to check balances, view transaction history, transfer funds, and pay loans on the go! Features:
- Check Balances
- View Transaction History
- Transfer Funds
- Pay Loans
- Secure Messaging for support
- Card Controls
- Remote Deposit Capture
- Bill Pay
Current members of Innovations Financial Credit Union (FCU) may be eligible to apply for loans. Please review the following information to understand our lending terms and conditions. Innovations FCU’s current loan rate and information is available at https://www.innovationsfcu.org/loans-credit-cards/loan-rates.
Innovations FCU personal loans have a minimum repayment period of 12 months. . The Maximum Annual Percentage Rate (APR*) for a personal loan is 18% and the minimum offered loan amount is $500.
Not all applicants may qualify for the most favorable rates or the highest possible loan amounts. Approval and actual loan terms depend on credit union membership history and credit risk evaluations (including responsible credit history, debt-to-income information, and availability of collateral). Highly qualified applicants may be offered higher loan amounts and/or lower APR*. Personal loans may not be used for college or post-college education expenses, business or commercial purposes, buying crypto or other speculative investments, gambling, or illegal purposes. Active-duty military, their spouses or dependents covered by the Military Lending Act (MLA) will be subject to the provisions of the MLA.
Please review our loan cost example below:
Consider a loan where the borrower receives $10,000 at an APR* of 18% over 48 months.
The borrower would repay $293.81 every month.
The total amount paid for the loan would be $14,102.85.
Actual loan terms may vary and depend on the prospective borrower’s credit profile, debts, income, membership history, etc.
Some of our loan options are intended for consolidating existing debts into a single loan. When consolidating existing debts or refinancing an existing loan, total finance charges and money owed over the period of the new loan may be more than the existing debt due to longer terms or higher interest rates.
*
APR* = Annual Percentage Rate.
**
Rates and margins shown as ranges, the Annual Percentage Rate (APR*) and margin you receive will be within the range disclosed above and is based on your credit worthiness. Rates are subject to change without notice. Membership eligibility is required.

If you have any questions about this application, please contact Innovations at (850) 233-4400.