Innovations Financial Federal Credit Union

Headquarters: Panama City, Florida
Charter: Credit Union
Assets: $696.1M
Fed district: Atlanta

7 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Innovations Financial Federal Credit Union: $30
Innovations Financial Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Innovations Financial Federal Credit Union: $30
Innovations Financial Federal Credit Union: $30
U.S. median: no median
Stop Payment
Innovations Financial Federal Credit Union: $20
Innovations Financial Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Innovations Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (monthly)$7
per month

Overdraft & NSF

Courtesy Pay Fee (each)$30
per item
Overdraft ACH$30
Overdraft at ATM$30
ACH Returns (NSF) (each)$30
per item
NSF (each)$30
per item

Wire Transfers

International Bank Wire (each)$35
per item

Check Services

Stop Payments (or per sequence) (each)$20
per item

Account Services

Safe Deposit Box$50
Safe Deposit Box$30
Safe Deposit Box 10 X 10$90
Safe Deposit Box 3 X 10$35
Safe Deposit Box 3 X 5$20
per item
Garnishment or Levy (each)$50
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (monthly)	$7	per month	None
Overdraft & NSF
Courtesy Pay Fee (each)	$30	per item	None
Overdraft ACH	$30	Not stated	None
Overdraft at ATM	$30	Not stated	None
ACH Returns (NSF) (each)	$30	per item	None
NSF (each)	$30	per item	None
Wire Transfers
International Bank Wire (each)	$35	per item	None
Check Services
Stop Payments (or per sequence) (each)	$20	per item	None
Account Services
Safe Deposit Box	$50	Not stated	None
Safe Deposit Box	$30	Not stated	None
Safe Deposit Box 10 X 10	$90	Not stated	None
Safe Deposit Box 3 X 10	$35	Not stated	None
Safe Deposit Box 3 X 5	$20	per item	None
Garnishment or Levy (each)	$50	per item	None

Correct a fee source

Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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