Addition Financial Fern Park FL Credit Union | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Addition Financial, your trusted financial partner right here in Fern Park, Florida! Established in 1937, our branch at 215 Oxford Rd has been committed to serving our community for over eight decades. With a strong membership base of 185,450 individuals, we pride ourselves on being more than just a credit union; we are a community-focused institution dedicated to enhancing the financial well-being of our members. At Addition Financial, we manage an impressive $2.67 billion in assets and have facilitated over 88,606 loans and leases to help our members achieve their dreams whether that's purchasing a new vehicle, buying a home, or consolidating debt. Our total deposits stand at $145.31 million, reflecting the trust our members place in us. While you can visit us directly at our branch location, please note that any official correspondence should be sent to the same address: 215 Oxford Rd, Fern Park, FL 32730. Should you have any questions or need assistance, don't hesitate to reach out by phone at 407-896-9411. Led by our dedicated CEO, Kevin Miller, and Board President Richard Collins, our team of 516 employees is here to support you with personalized service and expert financial advice. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business banking services such as merchant services and business loans, we're ready to assist! Explore more about how we can help you by visiting our website at www.additionfi.com. Join us today and experience the Addition Financial difference where your financial goals become our mission!

Branch History & Mission

At Addition Financial, our journey began in 1937, right here in Fern Park, FL. Over the decades, we've grown from a small credit union to a thriving community resource, now proudly serving over 185,000 members. Our branch is located at 215 Oxford Rd, a place that has become a cornerstone for financial support and guidance in our community. As we continue to expand our reach and services, we remain deeply committed to our mission: to empower our members by providing exceptional financial services while supporting the communities we serve. Our rich history is marked by key milestones that reflect our dedication to member satisfaction and community well-being. From our humble beginnings, we've achieved remarkable growth with total assets now exceeding $2.6 billion. This significant achievement is a testament to the trust our members place in us and the quality of service we strive to deliver every day. At Addition Financial, we understand that banking is not just about transactions; it's about building relationships. Our mission focuses on delivering personalized financial solutions that fit the unique needs of each member. Whether it's personal banking services like checking and savings accounts or loans for vehicles and homes, we aim to provide options that enhance financial wellness. While you can visit us at 215 Oxford Rd for all your banking needs, please note that official correspondence should be sent to the same address as our mailing address: 215 Oxford Rd, Fern Park, FL 32730. We are here for you Monday through Friday with convenient lobby hours designed around your schedule. In addition to traditional banking services, we have embraced modern technology to ensure accessibility for all our members. Our online banking platform allows easy account management from anywhere while maintaining ADA compliance so everyone can benefit from our services. With features such as mobile payments and electronic statements, managing your finances has never been easier. We also pride ourselves on being active participants in the community. Through partnerships with local organizations and outreach programs, we strive to make a positive impact beyond just banking. Our commitment extends to supporting local events and initiatives that uplift the residents of Fern Park and surrounding areas. If you're looking for a financial partner who puts people first, Addition Financial is ready to welcome you into our family. Join us today and experience the difference of being part of a credit union dedicated not only to your financial success but also to nurturing the vibrant community around us. Call us at 407-896-9411 or visit us online at additionfi.com for more information on becoming a member!

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is designed to be welcoming and accommodating with features like ADA-compliant entrances and ramps. You'll find ample parking available right outside our doors, ensuring that your visit is hassle-free.

Contact Us

Have questions or ready to start your banking journey with us? Don't hesitate to reach out! You can call us at 407-896-9411. Our friendly staff is eager to assist you with any inquiries or services you may require. Visit us today at Addition Financial's Fern Park Branch where your financial well-being is our priority!

Operating Hours

Our lobby hours are set to serve you better! We are open Monday through Wednesday from 9 AM to 5 PM, with extended hours on Thursday from 10 AM to 5 PM, and Friday from 9 AM to 5 PM. If you prefer the convenience of drive-thru banking, you can access these services during the same hours perfect for quick deposits or withdrawals without leaving your vehicle.

Services Offered

At Addition Financial, we offer a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we have options for everyone. Our ATM is available for easy cash withdrawals and balance checks whenever you need it. Plus, our drive-thru service allows for quick transactions on the go!

Member Eligibility

At Addition Financial, we believe that becoming a member is about joining a community that supports you in your financial journey. If you're interested in joining us, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in certain areas, as well as immediate family members of existing members. This means you can easily connect with us and take advantage of our wide range of services designed to help you thrive financially. For a deeper dive into the specific eligibility requirements, feel free to check out our detailed guide at this link. Opening an account with us is straightforward and welcoming. Simply visit us at our Fern Park branch located at 215 Oxford Rd, Fern Park, FL 32730, or give us a call at 407-896-9411 for more information. We're excited to have you join our family and look forward to supporting your financial goals!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that make transactions easy for your customers. Imagine accepting payments seamlessly while keeping track of your sales effortlessly. Our tools help you focus on what you do best running your business while we take care of the financial side. Visit us at 215 Oxford Rd, Fern Park, FL 32730, or give us a call at 407-896-9411 to learn how Addition Financial can help elevate your business today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $152 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $18 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $116,160,389, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, our Business Banking services include merchant services and business loans designed to help your venture thrive. We recognize the unique challenges businesses face and aim to provide support that aligns with your goals.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. From checking balances to transferring funds, everything is just a tap away on your smartphone or computer.

Easy Access and Support

We also provide convenient ATM & Cash Withdrawal Services along with basic drive-thru banking for simple transactions like deposits and withdrawals. If you prefer face-to-face interactions, our friendly staff at Addition Financial will be happy to assist you during lobby hours from Monday through Friday. If you're ready to explore how Addition Financial can help you achieve financial success, don't hesitate to reach out! Give us a call at 407-896-9411 or visit us online at additionfi.com for more information about membership eligibility and account opening options. Join us today and discover how Addition Financial can make a difference in your financial journey!

Financing Your Dreams

When it comes to big purchases like vehicles or homes, we've got you covered with our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing. Imagine driving off in a new car with an affordable loan tailored just for you! Our team is here to help you navigate through the options that best fit your budget. Plus, if you're looking to buy a home or refinance your current mortgage, our mortgage specialists will guide you through the process.

Personal Banking Solutions

We understand that managing your personal finances is essential. That's why we offer robust Personal Banking options, including checking and savings accounts that cater to all lifestyles. Whether you're saving for a vacation or managing daily expenses, our accounts are designed to give you easy access and flexibility.

Personal Loans for Any Need

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services make it easier for you to manage those costs without stress. Whether it's for a medical bill or consolidating credit card debt, we're here to help lighten the load.

Rewarding Credit Options

Our Credit Cards with Rewards allow you to earn points on every purchase. Imagine earning rewards while shopping for groceries or dining out! With competitive rates and no annual fees, this is a smart option for anyone looking to maximize their spending power.

Digital & Online Banking

Accessibility and Ease-of-Use

Navigating your finances has never been easier with these tools at your fingertips. Whether you're at home or out running errands, you'll always have access to real-time account management. It's about giving you control over your money when it matters most. At Addition Financial, we believe in providing not just services but solutions that make life simpler for our members. Join us today and experience how easy banking can be!

Key Features

One of the standout features at Addition Financial is our electronic signature authorization. This allows you to sign important documents quickly and securely from the comfort of your home. No need to visit the branch; everything can be done digitally! In addition to electronic signatures, we also offer e-statements for those who prefer a paperless option. You'll receive your account statements electronically, helping you stay organized and reduce clutter. For those on the go, our mobile application makes banking even easier. With this app, you can manage your accounts directly from your smartphone. And yes, mobile payments are supported! Make purchases or pay friends with just a few taps on your screen through our person-to-person transfer service.

Financial Strength

At Addition Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that you want to know your money is in safe hands, and we are committed to providing you with the reliability you deserve. With a net worth of $292,849,508, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1090 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $601,582,426 in share certificates and $422,326,007 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,154, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $256,092,993 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $17,877 in used auto loans and $1,861,918,697 in total loans and leases. Our operations reflect efficiency as seen by our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 455 full-time employees and 61 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments) stand at $58,843,510. Our commitment is clear as evidenced by our growing member base: we have 418,291 total share accounts, showing trust from our community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Addition Financial is your trusted partner. Visit us at 215 Oxford Rd Fern Park FL 32730 or call 407-896-9411 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $334,663,473 in used vehicle loans and $240,985,086 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our flexible terms make it easier for you to drive away with confidence.

Business Loans

For business owners looking for capital to grow and expand their ventures, we have outstanding commercial loans totaling $116,160,389 available. Our team understands the unique needs of businesses and works diligently to provide customized solutions that fit your business model.

Credit Lines

For those who need access to cash as needed, our total credit lines amounting to $451,059,369 provide an excellent safety net for unexpected expenses or planned purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $138,639,499, making buying or refinancing simple and straightforward. We know that navigating the housing market can be overwhelming; that's why our team is here to guide you through every step of the process.

Refinancing Options

If you're interested in refinancing any existing loans or credit lines for better rates or terms, we have options available that may suit your needs. It's always worth exploring how refinancing could save you money over time. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Addition Financial, we're dedicated to providing clear and supportive financial services tailored just for you. No matter where you are on your financial journey, we're here to help make it a little easier. Explore our loan offerings today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $77,578,208 in loans helping members manage their finances effectively. These cards come with competitive rates and benefits that can help you build your credit while enjoying convenient purchasing power.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With an emphasis on transparency and reliability, LendMesh ensures that users have access to the information they need to make informed decisions. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to accuracy means users can trust that the loan rates displayed are both current and legitimate. LendMesh offers several key benefits that set it apart as a trusted comparison tool: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can rest assured that the rates you see are from credible sources. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This way, you can compare loans without any hidden agendas influencing your choices. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. You'll always see the most recent offers available in the market. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight how effective LendMesh can be for finding suitable financing options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*