Addition Financial

Overview / Commentary
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 155th largest credit union in the nation. It was established in 1937 and as of March of 2024, it had grown to 501 employees and 179,464 members at 26 locations. Addition Financial's CD rates are 4X the national average, and it has a B+ 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, Manatee, Marion, Martin, Okeechobee, Pasco, Pinellas, Polk, Orange, Osceola, St. Johns, St. Lucie, Sarasota, Seminole, Sumter, or Volusia.
See current membership details

Reviews (2)

Misleading Promotions

Posted by: |

They advertised a CD promotion but don't disclose the entire details to the public. After opened few CDs now this bank won't honor them as the employee didn't do his job properly to disclose was only 1 permitted per account. Any company make a mistake they take ownership and resolve it without hurting the customer. If you over draft your account your mistake the bank charges you the Overdraft fee and you have to pay for your mistake. OH NOT THEM. They will not take ownership of their mistake and I ended up paying for their mistake. Moving all my savings to a better bank. Watch it they are only for your money! they don't care for you. Last past 2 years they have declined on customer service so bad, the people working there no longer has knowledge of procedures any more.

At Least They Coded For Y2k...

Posted by: |

Avoid this "member-run credit union" headed by venture capitalists intent on extracting member value. Fees? You like paying fees? This "credit union" has 'em. Need assistance with your account and get transferred to the legal department? Great! Addition Financial's attorney will now tell you to commingle funds between business and personal accounts to cover their erroneous fees. Give it a try if you're unlucky enough to have open accounts here in 2022 and beyond. To everyone else: avoid this antiquated cesspool of crappy system code and moronic, short-sighted leadership unless you’re into that sort of thing. No judging, it’s cool. Good luck though because you’ll need it.


Health Grade Components

NCUA #68702
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD7.95%
Annual Interest Income$34.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$2.98B$2.82B
LoansQ1 2024vs Q1 2023$1.98B$2.05B
DepositsQ1 2024vs Q1 2023$2.43B$2.38B
Equity CapitalQ1 2024vs Q1 2023$206.6MM$230.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$51.7MM$14.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$12.9MM$14.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$162K
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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

4.00%*$50*$5kSavings Plus
OTHER TIERS: 0.05% $5k+
0.15%$0-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

3.41%*$1m*-Growth Plus Money Market
OTHER TIERS: 0.05% $1k - $10k | 2.02% $10k - $100k | 2.38% $100k - $250k | 2.89% $250k - $1m
2.79%*$1m*-Business Premium Money Market
OTHER TIERS: 0.05% $1k - $25k | 1.01% $25k - $100k | 1.51% $100k - $250k | 2.02% $250k - $1m
1.51%*$1m*-Insured Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.75% $10k - $100k | 1.01% $100k - $250k | 1.31% $250k - $1m

Addition Financial Checking Account Rates

1.51%*$1m*-Benefits Checking
OTHER TIERS: 0.05% $1k - $10k | 0.75% $10k - $100k | 1.01% $100k - $250k | 1.31% $250k - $1m
0.05%$50k-Business Non-Profit Checking
0.05%$25k-Business Enterprise Checking

Addition Financial CD Rates

4.07%$1k-6-11 Month Certificate
3.82%$1k-12-23 Month Certificate
2.53%$1k-24-35 Month Certificate
2.53%$1k-36-47 Month Certificate
2.53%$1k-48-59 Month Certificate
2.53%$1k-60 Month Certificate
2.53%$1k-39 Month Bump-Up Certificate
0.50%$5-6 Month Savings Builder Certificate

Addition Financial IRA Rates

4.07%$1k-6-11 Month IRA Certificate
3.82%$1k-12-23 Month IRA Certificate
2.53%$1k-24-35 Month IRA Certificate
2.53%$1k-36-47 Month IRA Certificate
2.53%$1k-48-59 Month IRA Certificate
2.53%$1k-60 Month IRA Certificate
2.53%$1k-39 Month Bump-Up IRA Certificate
0.50%$5-6 Month Savings Builder IRA Certificate


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