Addition Financial

Overview / Commentary
1000 Primera Blvd
Lake Mary, FL 32746

Addition Financial is headquartered in Lake Mary and is the 10th largest credit union in the state of Florida. It is also the 147th largest credit union in the nation. It was established in 1937 and as of June of 2021, it had grown to 493 employees and 161,802 members at 26 locations. Addition Financial 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

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

Posted by: |

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.

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.

Happy customer for 10+ years!

Posted by: |

My very first account with CFE FCU was opened for me when I was little by my mother. Both of my parents also have CFE accounts so when it was time for my brother and I to open Savings Accounts, that's where they went. Of course I had very little interactions with my bank at first but once I started working, I was actually MY account. Since then, I've opened a Joint Checking Account and also a Shared Savings account. Of all banks I've had experience with (personal and professional) CFE FCU, is by far, my most satisfying. Not only at a branch but I've also called customer service multiple times and I've also become very familiar with their online and mobile banking. All highly recommended!!



Health Grade Components

NCUA #68702
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD9.84%
Annual Interest Income$36.1MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$2.52B$2.27B
LoansQ2 2021vs Q2 2020$1.80B$1.45B
DepositsQ2 2021vs Q2 2020$2.21B$1.99B
Equity CapitalQ2 2021vs Q2 2020$240.3MM$232.1MM
Loan Loss AllowanceQ2 2021vs Q2 2020$14.8MM$12.9MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$3.1MM$4.0MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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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

0.15%--IRA Savings Account
0.05%*$1k*-Share (Savings)
OTHER TIERS: 0.01% $50 - $1k
0.05%*$1k*-Holiday Share
OTHER TIERS: 0.01% $50 - $1k
0.05%*$1k*-Health Savings Accounts
OTHER TIERS: 0.01% $50 - $1k
0.05%*$1k*-Summer Share
OTHER TIERS: 0.01% $50 - $1k
0.05%*$1k*-Fun Share
OTHER TIERS: 0.01% $50 - $1k
0.05%*$1k*-Business Share Savings
OTHER TIERS: 0.01% $50 - $1k
0.05%*$1k*-Business Member Share
OTHER TIERS: 0.01% $50 - $1k

Addition Financial Money Market Rates

0.10%*$10k*-Insured Money Market
OTHER TIERS: 0.05% $1k - $10k
0.10%*$10k*-Business Insured Money Market
OTHER TIERS: 0.05% $1k - $10k

Addition Financial Checking Account Rates

0.05%$50k-Business Non-Profit Checking
0.05%$25k-Business Enterprise Checking

Addition Financial CD Rates

1.00%$1k-60 Month Certificate
0.85%$1k-48-59 Month Certificate
0.70%$1k-36-47 Month Certificate
0.50%$1k-24-29 Month Certificate
0.50%$1k-30-35 Month Certificate
0.30%$1k-12-23 Month Certificate
0.15%$1k-6-11 Month Certificate
0.15%$5-6 Month Savings Builder Share Certificate
0.10%$1k-3-5 Month Certificate

Addition Financial IRA Rates

1.00%$1k-60 Month IRA Certificate
0.85%$1k-48-59 Month IRA Certificate
0.70%$1k-36-47 Month IRA Certificate
0.50%$1k-24-29 Month IRA Certificate
0.50%$1k-30-35 Month IRA Certificate
0.30%$1k-12-23 Month IRA Certificate
0.15%$5-6 Month Savings Builder IRA Certificate
0.15%$1k-6-11 Month IRA Certificate
0.10%$1k-3-5 Month IRA Certificate


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