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Innovations Federal Credit Union : Innovations Fcu

700 W 23rd St
Panama City, FL 32405

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Innovations Federal Credit Union : Innovations FCU — distance 1561.89

Deposit Rates - May 28, 2026

CD RATES	APY	MIN	MAX
6 Mo CD	0.20%	$10,000	$14,999	Compare
6 Mo CD	0.20%	$100,000	$199,999	Compare
12 Mo CD	0.45%	$10,000	$14,999	Compare
12 Mo CD	0.45%	$100,000	$199,999	Compare
18 Mo CD	0.50%	$10,000	$14,999	Compare
18 Mo CD	0.50%	$100,000	$199,999	Compare
24 Mo CD	0.85%	$10,000	$14,999	Compare
24 Mo CD	0.85%	$100,000	$199,999	Compare
36 Mo CD	1.00%	$10,000	$14,999	Compare
36 Mo CD	1.00%	$100,000	$199,999	Compare

SAVINGS RATES	APY	MIN	MAX
Savings	0.20%	$2,500	$4,999	Compare

MM RATES	APY	MIN	MAX
Money Market	0.25%	$2,500	$2,999	Compare
Money Market	0.25%	$10,000	$14,999	Compare
Money Market	0.25%	$25,000	$29,999	Compare

VARIABLE IRA RATES	APY	MIN	MAX
Var IRA	0.25%	$1	$499

INT CHECKING RATES	APY	MIN	MAX
Int Ckg	0.10%	$1	$99
Int Ckg	0.10%	$2,500	$3,499

Featured Home Equity Rates in Florida

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2026-05-28
Equal Housing Lender

#1 Non-bank HELOC in the US, A+ BBB Rating

#1 Non-bank HELOC in the US, A+ BBB Rating
Access $15,000 to $750,000 in home equity with flexible terms
Approval in as few as 5 minutes, funding in as few as 5 days
Use to consolidate debt, finance your next home project, or major expenses

Farmers Bank of Kansas City
NMLS ID: 613839 / Updated 2026-03-20
Equal Housing Lender

Intro APR: 6.750 %
After Intro:6.750 %

$25,000

Customized Rate Quote
24/7 Online Borrower Portal
Streamlined Online Application
Up to 100% LTV

Owning.com
NMLS ID: 2611 / Updated 2026-05-26
Equal Housing Lender

Intro APR: 6.817 %
After Intro:6.817 %

$25,000

Apply in 5 minutes, get your money in as fast as 5 days.
Digital application experience.
Funds directly to your bank account.
No in-person appraisal needed.

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Valley Strong Credit Union
NMLS ID: 456506 / Updated 2025-10-29
Equal Housing Lender

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Get your offer in 5 minutes and funding in as few as 5 days
Personalized banking solutions to help reach your financial goals
Up to $400K
Terms of 10,15, or 30 years

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22

Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K

Splash Financial
NMLS ID: 1630038 / Updated 2026-02-16
Equal Housing Lender

Intro APR: 7.375 %
After Intro:7.375 %
Intro Period: 7 months

$25,000

Borrow up to $500,000*
Apply 100% online in minutes with a user-friendly platform
Check your rate without affecting your credit **
Tap into home equity today

CrossCountry Mortgage, LLC
NMLS ID: 3029 / Updated 2026-05-28

Unlock Your Home's Potential

Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2026-05-28
Equal Housing Lender

HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

Fastest way to turn home equity into cash
Flexible terms, redraw up to 100%, borrow $15k-$750k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project

Point Digital Finance
NMLS ID: Not a Lender / Updated 2026-05-28

Get up to $600k with no monthly payments, ever.

Use your funds your way
No income verification - ideal for self-employment or retirement planning
Enjoy maximum flexibility - 30 year term, no prepayment penalties
Home Equity Investments are not considered a loan in all states

Splash Financial
NMLS ID: 1630038 / Updated 2026-05-28
Equal Housing Lender

Cash in with a HELOC

Borrow up to $500,000*
Apply 100% online in minutes with a user-friendly platform
Check your rate without affecting your credit **
Tap into home equity today

AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2026-05-28

Home Equity Loans & Refinance – Cash out

Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business

Spring EQ
NMLS ID: 1464945 / Updated 2026-05-28

The leader for homeowners tapping cash from their homes since 2016.

Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).

Refi.com
NMLS ID: 1907 / Updated 2026-05-28
Equal Housing Lender

Access your home’s equity without replacing your current mortgage

Access your home’s equity without replacing your current mortgage
Put your home’s equity to work on your terms
Flexible funds for renovations, debt consolidation, or major expenses
Refi.com connects you with home equity lending specialists

Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2026-05-28

Get cash now in exchange for a percentage of your homes future equity.

No monthly payments or interest charges
Minimum Credit score: 500
Access up to $500k
No need to refinance

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in Florida

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Refi.com
NMLS ID: 1907

0.000%

$0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees

Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
Tap into your home’s equity with a cash-out refinance

District Lending
NMLS ID: 1835285

5.982%

$1,893 Fees & Points $3,699 Total
0.500 Pts ($1,600)
$2,099 Fees

Get an exceptional mortgage rate, be happy.

Reliant Home Funding, Inc.
NMLS ID: 292473

6.129%

$1,917 Fees & Points $4,789 Total
0.873 Pts ($2,794)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

SimpLend Mortgage,LLC
NMLS ID: 2558881
License#: MBR6935

6.139%

$1,919 Fees & Points $4,988 Total
0.600 Pts ($1,920)
$3,068 Fees

Simplified Process- We streamline the experience, reducing complexity.
Personalized Service- We're committed to a solution that fits your needs.
Expert Guidance- Benefit from decades of experience in the industry.

Securitas Mortgage Inc
NMLS ID: 1039147

6.175%

$1,917 Fees & Points $6,456 Total
0.684 Pts ($2,189)
$4,267 Fees

icensed in Kentucky, Indiana, Tennessee and Florida
Over 50 years of experience in Mortgage Lending.
A COMPLETE focus on our client’s interests and experience.

Dylken Home Loans, Inc
NMLS ID: 2673152

6.193%

$1,945 Fees & Points $2,314 Total
0.723 Pts ($2,314)
$0 Fees

Make Refinancing a Breeze
Tap into your home’s equity for renovations or debt consolidation
Refinancing options customized for your unique financial needs

River City Mortgage LLC
NMLS ID: 142954
License#: MLD1349

6.227%

$1,945 Fees & Points $3,568 Total
0.787 Pts ($2,518)
$1,050 Fees

Talk to a Pro, Not a Prompt. No bots. No nonsense. Just real people.
Accessible. Authentic. Transparent. We answer and make it make sense.
From pre-approval to closing — we’re all in.

Pure Rate Mortgage
NMLS ID: 2578474

6.233%

$1,945 Fees & Points $3,705 Total
0.775 Pts ($2,480)
$1,225 Fees

Pure Rate equals Pure Savings
We provide real-time access to premier wholesale lenders
Delivering wholesale pricing instantly

Tithe Lending
NMLS ID: 2439006

6.240%

$1,945 Fees & Points $4,010 Total
0.875 Pts ($2,800)
$1,210 Fees

Our rates and fee structure are straight forward and honest.
Our average closing times are 2-3 weeks due to a simple process.
We donate the first 10% of all of loan proceeds to local charities.

Salute Mortgage, LLC
NMLS ID: 2601951

6.240%

$1,945 Fees & Points $4,066 Total
0.887 Pts ($2,838)
$1,228 Fees

Strategic refinance advice aligned to long-term financial goals
Clear break-even analysis so refinancing only happens when it makes sense
Access to VA IRRRL, FHA, conventional, and HELOC options

Strength Financial
NMLS ID: 2337822

6.241%

$1,945 Fees & Points $3,975 Total
0.875 Pts ($2,800)
$1,175 Fees

Hi, I'm Ryan! Buying a house is easier than you might think!

Pro Mortgage Funding LLC
NMLS ID: 2119829

6.253%

$1,945 Fees & Points $4,353 Total
0.987 Pts ($3,158)
$1,195 Fees

Fast Refinance Options to Lower Rates or Pull Cash

Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894

6.279%

$1,919 Fees & Points $9,632 Total
0.885 Pts ($2,832)
$6,800 Fees

A brand you know and trust
Quick and efficient process
Mortgage products to fit your needs

Revix
NMLS ID: 2684156
License#: MBR7986

6.282%

$1,971 Fees & Points $1,188 Total
0.000 Pts ($0)
$1,188 Fees

Refi faster and cut your monthly cost

RockBottom Mortgage LLC
NMLS ID: 1141327
License#: MBR1498

6.286%

$1,971 Fees & Points $1,315 Total
0.375 Pts ($1,200)
$115 Fees

LoanFlight Lending, LLC
NMLS ID: 1522344
License#: MLD 1386

6.323%

$1,971 Fees & Points $2,470 Total
0.772 Pts ($2,470)
$0 Fees

Charges $0 in Lender Fees
Get an Online Quote in Seconds
100% Online Process or Speak Directly with a Loan Officer

Foundation Home Loans, LLC
NMLS ID: 2559614

6.325%

$1,971 Fees & Points $2,552 Total
0.485 Pts ($1,552)
$1,000 Fees

At Foundation, Your Home Dreams Take Flight

Bergen Mortgage Enterprise LLC
NMLS ID: 1897215
License#: MBR3293

6.333%

$1,971 Fees & Points $2,800 Total
0.875 Pts ($2,800)
$0 Fees

We searched 50+ lenders, so you'll save!

First Rate Mortgage
NMLS ID: 30998

6.335%

$1,971 Fees & Points $2,861 Total
0.458 Pts ($1,466)
$1,395 Fees

Family Owned Business for 60 years!
Quick turn times!
Free Consultation!

Home Simply
NMLS ID: 2473786
License#: MBR6346

6.337%

$1,971 Fees & Points $2,954 Total
0.581 Pts ($1,859)
$1,095 Fees

Simple loans for your dream home!

Beeline Loans, Inc.
NMLS ID: 1799947

6.338%

$1,971 Fees & Points $2,982 Total
0.932 Pts ($2,982)
$0 Fees

Apply in less than 10 minutes.
Fast, stress-free closing in as little as 16 days
More loan types so you’re more likely to qualify

Loansteady
NMLS ID: 1701910

6.353%

$1,971 Fees & Points $3,495 Total
0.625 Pts ($2,000)
$1,495 Fees

Consolidate debt or renovate your home
Easy online application process
Low Rates: Quick Quote and Approval

Watermark Home Loans
NMLS ID: 1838

6.359%

$1,971 Fees & Points $3,801 Total
0.679 Pts ($2,173)
$1,628 Fees

Lower Rates and Payments Start Here
Direct Lending • 14–21 Day Average Closings
Refinance Direct. Save More.

AimLoan.com
NMLS ID: 2890
License#: ML-0700791

6.368%

$1,971 Fees & Points $4,254 Total
0.943 Pts ($3,018)
$1,236 Fees

Certified Upfront Lender! Online Loan Estimate! Apply & Lock Rate 24/7!
26 Years' Experience
Get Your FREE Instant Rate Quote

DECO Mortgage
NMLS ID: 2561451

6.418%

$1,971 Fees & Points $5,826 Total
0.931 Pts ($2,979)
$2,847 Fees

$0 Lender Fee. Never pay lender fee's with Deco!
Same Day Pre-Qualification (As fast as 30 minutes).
Single Point of Contact: Paired with your own mortgage professional.

Refi.com
NMLS ID: 1907
License#: Florida

6.429%

$1,997 Fees & Points $1,802 Total
0.563 Pts ($1,802)
$0 Fees

Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals

PenFed Credit Union
NMLS ID: 401822

6.506%

$1,997 Fees & Points $4,395 Total
0.750 Pts ($2,400)
$1,995 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

ProVisor, Inc.
NMLS ID: 1802853

6.615%

$2,023 Fees & Points $3,929 Total
0.856 Pts ($2,739)
$1,190 Fees

Refinance and Refi Cash Out Solutions for Every Homeowner and Veteran

SoFi
NMLS ID: 696891

6.760%

$2,049 Fees & Points $4,468 Total
0.929 Pts ($2,973)
$1,495 Fees

Get pre-qualified in minutes
Simple, online application
Customize your monthly payment to fit your budget

AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MLD849

Fees & Points Total
Pts ($0)
$0 Fees

Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings

Veterans United Home Loans
NMLS ID: 1907

Fees & Points Total
Pts ($0)
$0 Fees

Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews

Beeline Loans, Inc.
NMLS ID: 1799947

Fees & Points Total
Pts ($0)
$0 Fees

Apply in less than 10 minutes.
Fast, stress-free closing in as little as 16 days
More loan types so you’re more likely to qualify

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Innovations Federal Credit Union : Innovations Fcu

Deposit Rates - May 28, 2026

Featured Home Equity Rates in Florida

Featured 30-Year Fixed Mortgage Rates in Florida

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