Holmes County's two full-service, member-owned NCUA-insured credit union branches located directly on State Road 79 (Waukesha Street) in Bonifay (32425): (1) Community South Credit Union — Bonifay Branch at 1720 South Waukesha Street, Bonifay, FL 32425 (Local (850) 547-2260 / Toll-Free (866) 638-8376, NCUA Charter #67434, NMLS #451247, Florida Sunbiz Doc# Q23000000063, FEI/EIN 59-0975325, ABA Routing #263281542—originally chartered in the Chipley/Bonifay corridor in 1959) and (2) Innovations Financial Credit Union — Bonifay Branch at 402 North Waukesha Street, Bonifay, FL 32425 (Local (850) 249-0459 / Main (850) 233-4400, NCUA Charter #68732, NMLS #422546, Florida Sunbiz Doc# F01000000004—operating inside the former Regions Bank building in downtown Bonifay). Open to all residents, retirees, and family members across Bonifay (32425), Esto (32425), Noma (32452), Ponce de Leon (32455), and Westville (32464), both institutions provide up to $250,000 in federal National Credit Union Share Insurance Fund (NCUSIF) protection on regular share and certificate accounts plus an additional, separate $250,000 of federal insurance on Traditional, Roth, and SEP Individual Retirement Accounts (IRAs). Retiree services include high-yield IRA and Share Certificate (CD) ladders for FRS DROP lump-sum rollovers and timberland sale proceeds, fee-free direct deposit for Social Security, VA, and FRS pension checks, Payable-on-Death (POD) and revocable trust account titling to bypass probate, Home Equity Lines of Credit (HELOCs) for aging-in-place accessibility modifications, and senior wire/scam fraud prevention.
Official Verification Sources: Community South Credit Union — Bonifay Branch (1720 S Waukesha St — NCUA #67434); Innovations Financial Credit Union — Bonifay Branch (402 N Waukesha St — NCUA #68732); National Credit Union Administration (NCUA) — Official Research a Credit Union Portal
Issuer: National Credit Union Administration (NCUA) & Florida Office of Financial Regulation (OFR)
Notes: Verified 2026-10-23 via NCUA Credit Union Locator & Florida Sunbiz: (1) Community South Credit Union, 1720 S Waukesha St, Bonifay, FL 32425 ((850) 547-2260, NCUA Charter #67434, NMLS #451247, Sunbiz Doc #Q23000000063, EIN 59-0975325, Routing #263281542). (2) Innovations Financial Credit Union, 402 N Waukesha St, Bonifay, FL 32425 ((850) 249-0459, BonifayBranch@InnovationsFCU.org, NCUA Charter #68732, NMLS #422546, Sunbiz Doc #F01000000004).
Factual details and direct answers about Community South Credit Union — Bonifay Branch & Innovations Financial Credit Union — Bonifay Branch (In-County NCUA Senior IRA & Retirement Depository Network)'s services, licensing, and credentials.
Where are the credit union branches located in Bonifay, and can any Holmes County senior join?
Yes. Any resident or family member in Holmes County (Bonifay, Esto, Noma, Ponce de Leon, or Westville) is eligible for membership at both Bonifay credit unions on State Road 79: Community South Credit Union at 1720 South Waukesha Street ((850) 547-2260, NCUA Charter #67434) and Innovations Financial Credit Union at 402 North Waukesha Street ((850) 249-0459, NCUA Charter #68732).
How are Traditional and Roth IRA certificates insured at Community South and Innovations Financial Credit Union in Bonifay?
Both credit unions are federally insured by the National Credit Union Administration (NCUA). Under federal NCUSIF rules, a retiree's Traditional and Roth IRA share certificates are insured up to $250,000 separately and in addition to the $250,000 coverage on their regular checking, money market, and non-retirement CD accounts.
Connect with complementary legal, financial, and residential providers serving seniors in Bonifay and Holmes County.
Law Office of Timothy H. Wells, Esq. (Bonifay Probate, Estate Planning, Real Property & Certified Mediation Practice)
Bonifay, Holmes County
(850) 547-3644
Holmes County Housing Authority, NWFRHA Sessoms Moore Homes / Section 8 & Holmes County SHIP Program
Bonifay, Holmes County
(850) 547-1111
Bonifay Nursing and Rehab Center (180-Bed Skilled Nursing, Post-Acute Rehab & Memory Care)
Bonifay, Holmes County
(850) 547-9289
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
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Maximizing NCUA federal share insurance on IRA certificates and managing pension direct deposits in Bonifay.
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How local Bonifay credit unions help older adults prevent wire fraud, identity theft, and financial exploitation.
First Federal Bank — Bonifay Branch & PeoplesSouth Bank — Bonifay Branch (In-County FDIC Senior, IRA & Estate Banking on Waukesha Street)
Bonifay, Holmes County
Holmes County Farm Bureau Retirement Services (Steve Bush, LUTCF® — Bonifay) & Capital City Trust Company / Strategic Wealth (Seth Jones, Trust Officer & Ben Welter, CPFA® — LPL Financial)
Bonifay, Holmes County
SHINE Medicare & Financial Aid Counseling — Holmes Council on Aging (Bonifay) & Carr, Riggs & Ingram, L.L.C. (Level Four Advisory) / Hare Taylor, LLC CPA Retirement Tax Network
Bonifay, Holmes County
Floyd Financial Services, Inc. — Jon Stuart Floyd (Ausdal Financial Partners, Inc. — Bonifay / Chipley US-90 Corridor Fiduciary Office)
Chipley, Holmes County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.