The infected area should be swabbed with a dilute povidone-iodine solution. The areas of infection can then be gently scraped away using a blunt edge such as a disinfected table knife. The scraped areas are then swabbed with povidone-iodine solution or ointment.
Since you don't know if the infection is bacterial or fungal, first try a topical antibiotic ointment, such as a triple antibiotic ointment, which contains three different broad-spectrum antibiotics. Dab a bit on the infected. If the chelonian is an aquatic turtle, keep the turtle out of the water for at least 10 minutes to give the medication time to penetrate. If there is no observable improvement within a couple of days, try an antifungal cream. There are several available, each with a different active anti-fungal ingredient. Try one, keeping aquatic turtles out of the water for at least 10 minutes to give the drug time to penetrate. If there is no improvement after a couple of days, take the chelonian to your reptile vet. These infections are not something to mess around with for very long at home, given the potentially lethal nature of systemic infections.