Addition Financial


Overview / Commentary
407-896-9411
1000 Primera Blvd
Lake Mary, FL 32746

Addition Financial is headquartered in Lake Mary and is the 9th largest credit union in the state of Florida. It is also the 142nd largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 452 employees and 160,687 members at 23 locations. Addition Financial's money market rates are 14% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Addition Financial is open to those who live, work, worship, volunteer, attend school or vocational training, or is an alumni of any college, university, or educational institution located in the Florida counties of Alachua, Brevard, Duval, Flagler, Hernando, Highlands, Hillsborough, Indian River, Lake, Marion, Martin, Okeechobee, Pasco, Pinellas, Polk, Orange, Osceola, St. Johns, St. Lucie, Seminole, Sumter, or Volusia.
See current membership details

Related Posts

2.78% And 2.89% 15-Month Cds - 3/10/2019

CFE Federal Credit Union is offering a 2.78% 15-month CD with a $1,000 minimum opening deposit. They are also offering a 2.89% 15-month CD with a $1,000 minimum opening deposit with direct deposit ($500 monthly aggregate requirement), or a $100,000 minimum opening deposit. More information is here: www.mycfe.com/certificatepromo.

View all posts from:


Central Florida Educator's Credit Union

The staff always greets me upon entering the branch and is very welcoming. Wait times to meet the banking representatives are brief. Very clear terms and no problems with the approval process. The bankers are clear and honest and do not misrepresent their products. With my savings account, a checking account, and a money market account, managing them online is easy. Transfering funds is very simple and typically no delay. 24/7 customer service for any problems. Once I developed a relationship with the bank other services such as IRAs and CDs are very easy to use and access. Drive-thru tellers are quick, and the branches are efficient with any account requests. As with most banks interest rates are very low, but my funds are secure and accessible whenever I need. Most branches are open on Saturday, which is very convenient.

Not So Great

CFE Federal Credit Union is, in my opinion, a below average CU. It doesn't seem to be interested in making the lives of its customers easier or taking a step into the future. I have added and now deleted the app on my phone because it was slow, and unhelpful when I was trying to complete money transfers and deposits. Their whole website could also use a huge upgrade and become more user friendly. It takes me 15 minutes or more each time I login just to find what I need. We swapped to this CU from Regions due to their "lower" checking account fees. They also have a good children's savings program that Regions did not have. The children's savings is the only part that I would say that I like about this CU and even then it's not as great as I thought it would be. Everything about this CU is sub-par in my experiences and opinion.

Don't Bank Here

Posted by: Ml | Apr 2, 2018

They've been my bank for years which is why I was shocked when I was recently scammed $400 from my checking & I contacted them & I sent the forms they asked me to & then someone else called me & said wrong form, send this one, so I did & then got called by the branch saying wrong form & then someone was supposed to call me & ultimately they told me too much time had passed & they couldn't return my money!! So awful. I feel robbed TWICE!!! DO NOT USE CFE!

I've been with them for years! Love them!

Posted by: Kismet83 | Jan 4, 2017

I really do enjoy using their services. The deposits are quick and available during the same day, usually. The Bill Pay portion is really great. I lost my debit card once and a quick visit to the branch gave me a new card within 10 minute. The customer service has always been really great and no issue has gone unresolved. I had an issue with fraud and they were not only able to stop further actions on my account, but they also created a new account for me. This saved me a lot of frustrations and anxiety. The only issue I would say is that their Non Sufficient Fees are a bit steep and they will constantly hit you with them if they occur on the same day. Sometimes they do not credit them and other times they do.

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Health

Health Grade Components

Overall
NCUA #1976
Year Chartered1937
Employees452
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD8.71%
Annual Interest Income$64.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.87B$1.81B
LoansQ4 2018vs Q4 2017$1.14B$1.01B
DepositsQ4 2018vs Q4 2017$1.63B$1.61B
Equity CapitalQ4 2018vs Q4 2017$194.7MM$184.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$10.7MM$13.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$3.1MM$3.3MM
Real Estate OwnedQ4 2018vs Q4 2017$0$947.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

2.78% And 2.89% 15-Month Cds

mnysvr   |  
CFE Federal Credit Union is offering a 2.78% 15-month CD with a $1,000 minimum opening deposit.

They are also offering a 2.89% 15-month CD with a $1,000 minimum opening deposit with direct deposit ($500 monthly aggregate requirement), or a $100,000 minimum opening deposit.

More information is here: www.mycfe.com/certificatepromo.

Rates
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Always verify rates and promotions with the bank or credit union. We are not Addition Financial; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Addition Financial Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$50-Health Savings Accounts
0.40%--IRA Savings Account
0.15%$50-Share (Savings)
0.15%$50-Holiday Share
0.15%$50-Summer Share
0.15%$50-Fun Share
0.15%$50-Business Share Savings
0.15%$50-Business Member Share

Addition Financial Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$1m*-Insured Money Market
OTHER TIERS: 0.20% $1k - $50k | 0.25% $50k - $100k | 0.30% $100k - $1m
0.40%*$100k*-Business Insured Money Market
OTHER TIERS: 0.20% $1k - $25k | 0.25% $25k - $50k | 0.30% $50k - $75k | 0.35% $75k - $100k

Addition Financial Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$50k-Business Non-Profit Checking
0.25%$25k-Business Enterprise Checking

Addition Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.89%$1k-15 Month Share Certificate Special (Limited Time) w/ monthly aggregated direct deposit
2.78%$1k-15 Month Fixed Rate Share Certificate
2.78%$1k-15 Month Share Certificate Special (Limited Time)
2.07%$1k-60 Month Certificate
1.76%$1k-48-59 Month Certificate
1.51%$1k-36-47 Month Certificate
1.31%$1k-24-29 Month Certificate
1.31%$1k-30-35 Month Certificate
1.00%$1k-12-23 Month Certificate
0.55%$1k-6-11 Month Certificate
0.35%$5-6 Month Savings Builder Share Certificate
0.20%$1k-3-5 Month Certificate

Addition Financial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.89%$1k-15 Month IRA Certificate Special (Limited Time) w/ monthly aggregated direct deposit
2.78%$1k-15 Month Fixed Rate IRA Certificate
2.78%$1k-15 Month IRA Certificate Special (Limited Time)
2.07%$1k-60 Month IRA Certificate
1.76%$1k-48-59 Month IRA Certificate
1.51%$1k-36-47 Month IRA Certificate
1.31%$1k-24-29 Month IRA Certificate
1.31%$1k-30-35 Month IRA Certificate
1.00%$1k-12-23 Month IRA Certificate
0.55%$1k-6-11 Month IRA Certificate
0.35%$5-6 Month Savings Builder IRA Share Certificate
0.20%$1k-3-5 Month IRA Certificate
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