Credit union · NCUA insured
Addition Financial Credit Union
A $3.8B credit union, the 134th largest of 4,329, headquartered in Lake Mary, FL, with 257,388 members and 36 branches in 2 states. Best rates: CDs 3.82% and savings 0.70% APY.
Addition Financial Credit Union Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#17 of 37 in Orlando, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Addition Financial Credit Union
Addition Financial Credit Union has dedicated more than 80 years to helping members achieve their financial and money management goals.
- Headquarters
- 1000 Primera Blvd, Lake Mary, FL 32746
- NCUA charter
- 68702
Branches
36 branches in 2 states
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Florida
33 branches
Orlando area · 24
- Lake Mary BranchMain office1000 Primera Blvd, Lake Mary, FL 32746Directions
- Apopka Branch847 S Orange Blossom Trl, Apopka, FL 32703Directions
- Oviedo Branch1948 W County Road 419, Chuluota, FL 32766Directions
- Clermont Branch2390 E Highway 50, Clermont, FL 34711Directions
- Eustis Branch15830 US Highway 441, Eustis, FL 32726Directions
- Fern Park Branch215 Oxford Rd, Fern Park, FL 32730Directions
- Altamonte Springs Branch855 S State Road 434, Forest City, FL 32714Directions
- Kissimmee Branch708 E Vine St, Kissimmee, FL 34744Directions
- Poinciana Branch4620 Pleasant Hill Rd, Kissimmee, FL 34759Directions
- The Loop3070 N Orange Blossom Trail, Kissimmee, FL 34741Directions
- Leesburg Branch8040 US Highway 441, Leesburg, FL 34788Directions
- Longwood Branch901 E State Road 434, Longwood, FL 32750Directions
- Downtown Campus Branch617 W Livingston St, Orlando, FL 32801Directions
- East Orlando Branch1823 N Alafaya Trl, Orlando, FL 32826Directions
- Lake Nona Branch13810 Narcoossee Rd, Orlando, FL 32832Directions
- Metro West Branch5990 MetroWest Blvd, Orlando, FL 32835Directions
- Mills Branch947 N Mills Ave, Orlando, FL 32803Directions
- Pine Hills Branch4601 Silver Star Rd, Orlando, FL 32808Directions
- South Orlando Branch5301 S Orange Ave, Orlando, FL 32809Directions
- UCF Campus Branch12795 Aquaris Agora Dr, Orlando, FL 32816Directions
- Sanford Branch101 E 25th St, Sanford, FL 32771Directions
- Seminole State College Branch101 E 25th St, Sanford, FL 32771Directions
- St. Cloud Branch3335 13th St, St. Cloud, FL 34769Directions
- Winter Garden Branch950 9th St, Winter Garden, FL 34787Directions
Tallahassee area · 6
- Chattahoochee Branch303 E Washington St, Chattahoochee, FL 32324Directions
- Quincy Branch517 W Jefferson St, Quincy, FL 32351Directions
- Appleyard Branch421 Appleyard Dr, Tallahassee, FL 32304Directions
- Downtown Branch600 N Monroe St, Tallahassee, FL 32301Directions
- Killearn Branch3519 Thomasville Rd, Tallahassee, FL 32309Directions
- Parkway Branch3190 Apalachee Pkwy, Tallahassee, FL 32311Directions
Marianna area · 1
- Marianna Branch4942 Highway 90, Marianna, FL 32446Directions
Palm Bay area · 1
- Merritt Island Branch1380 N Courtenay Pkwy, Merritt Island, FL 32953Directions
Deltona area · 1
- Orange City Branch920 Saxon Blvd, Orange City, FL 32763Directions
Georgia
3 branches
Thomasville area · 2
- Hansell Branch112 S Hansell St, Thomasville, GA 31792Directions
- Liberty Branch85 Liberty St, Thomasville, GA 31757Directions
Bainbridge area · 1
- Bainbridge Branch1400 E Shotwell St Ste 140, Bainbridge, GA 39819Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.98% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.40% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.70% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $62 | $88 | — |
- CapitalNet worth ratio9.98%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.40%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.70%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$62Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Addition Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.