Innovations Mobile Banking

Innovations FCU

About this app

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 [phone].

Ratings and reviews

I love the app, can transfer between accounts, manage credit cardS and loans. can search up to 90 days of transactions. That is when it actually works after sign in.. never ending loading circle is what you get most times.. pretty annoying and at times infuriating. please update!!!! at this point I'm about to look for a new credit union. I haven't been able to check my account in weeks. bad for my business and livelihood. OVER IT!

Overall, nice app update. Pretty user-friendly. A few things I dislike are, you can't use the back button. Tries to close the app on you if you do. And it doesn't automatically pop-up for fingerprint login when you open the app. And you have to go to a diff "tab" to see pending charges. Minor things I know, but makes a difference. So much so, I've never reviewed an app till now.

Every time I open it I just get a Neverending loading circle and it doesn't load my information at all after logging in. I have to force close the app and clear the cache after every use just to get it to function properly next time. VERY frustrating!

What’s new

We’ve added powerful new features to make your digital banking experience even more secure and convenient:
• Plaid Integration:
Quickly and securely link external bank accounts to Innovations using Plaid.
• Member-to-Member (M2M) Transfers:
Send money instantly to another Innovations member right inside the app.