Credit union · NCUA insured
Addition Financial Credit Union CD Rates
Addition Financial Credit Union’s best CD rate is 3.82% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Addition Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Orlando, FL, where Addition Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Addition Financial Credit Union
3.82%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,062
Term Share Certificate
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Addition Financial Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.66%
- 16–30 months16–30 mo3.71%
- 31–60 months31–60 mo3.82%
- QualifiedQualified3.82%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Addition Financial Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate
Up to 3.82%APY · 6 terms
Dividends credited and compounded monthly. No monthly maintenance fee. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.45% | $171 |
| 12–23 months | 3.66% | $366 |
| 24–35 months | 3.71% | $756 |
| 36–47 months | 3.71% | $1,155 |
| 48–59 months | 3.71% | $1,569 |
| 60 months | 3.82% | $2,062 |
Sources (2)
All captured Oct 15, 2026
Bump-up certificate
3.71%APY · 1 term
Includes an option that allows you to increase or 'bump up' the dividend rate and APY once during the term to the current rate in effect at that time for a 36-month certificate. Dividends credited and compounded monthly. No monthly maintenance fee. At maturity, automatically renews into a 36-month certificate at the prevailing rate with no bump-up option. Penalties may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 39 monthsOption to bump up dividend rate and APY once during the 39-month term to the current rate for a 36-month certificate. Renews into a 36-month certificate | 3.71% | $1,257 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Term Share Certificate IRA
Up to 3.82%APY · 6 terms
Available for Traditional and Roth IRAs. Fixed rate of return. No monthly maintenance fee. Rate schedule matches regular certificates. Dividends compounded daily and credited monthly (per retirement accounts page) or credited and compounded monthly (per certificate rate table). Penalties may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.45% | $171 |
| 12–23 months | 3.66% | $366 |
| 24–35 months | 3.71% | $756 |
| 36–47 months | 3.71% | $1,155 |
| 48–59 months | 3.71% | $1,569 |
| 60 months | 3.82% | $2,062 |
Sources (2)
All captured Oct 15, 2026
Savings Builder Share Certificate
0.50%APY · 1 term
Available with Youth Savings Accounts. Dividends credited and compounded monthly. Penalties may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires Youth Savings Account | 0.50% | $25 |
Sources (1)
- additionfi.com/personal/rate/certificates · captured Oct 15, 2026
Who can join Addition Financial Credit Union
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