Addition Financial Merritt Island FL Credit Union | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Addition Financial, your trusted partner in achieving financial success right here in Merritt Island, FL. Located at 1380 N Courtenay Pkwy, our branch has been serving the community since 1937, helping over 185,450 members navigate their financial journeys with confidence and care. With total assets exceeding $2.6 billion and a strong net worth of $292,849,508, we pride ourselves on our stability and commitment to our members' financial well-being. At Addition Financial, we understand that every member has unique needs. That's why we offer a variety of services ranging from personal banking, auto loans, mortgage options, to business banking solutions. With more than 516 dedicated employees, led by our CEO Kevin Miller and Board President Richard Collins, we strive to provide personalized service that makes a difference in your financial life. While you can visit us at our Merritt Island location for all your banking needs, please note that official correspondence should be directed to the same address: 1380 N Courtenay Pkwy, Merritt Island, FL 32953. We are here to help you with everything from checking accounts to loans whether it's a new car or your dream home. With a robust portfolio of over 88,606 loans and leases totaling nearly $1.9 billion, as well as total deposits amounting to $145,313,393, Addition Financial is equipped to support both your personal and business endeavors. Our commitment extends beyond numbers; we aim to impact the community positively through various initiatives and partnerships. We invite you to experience the Addition Financial difference today! For inquiries or assistance, don't hesitate to call us at 407-896-9411. Visit our website at additionfi.com for more information about our services and how we can assist you on your path to financial success. Together, let's build a brighter future!

Branch History & Mission

A Rich Legacy

Our branch is located at 1380 N Courtenay Pkwy in Merritt Island, FL, a prime spot that is easily accessible for our members. As we opened our doors more than eight decades ago, we aimed not only to offer exceptional banking services but also to foster a sense of community and support among our members. Throughout our history, Addition Financial has adapted to meet the changing needs of our members while maintaining our core values of integrity, service, and commitment. Our evolution is marked by key milestones such as expanding our product offerings to include personal loans, auto financing, and business banking solutions. We believe that everyone deserves access to affordable financial options that empower them to achieve their dreams.

Community Commitment

Our commitment extends beyond banking; we actively engage with local organizations and initiatives that uplift our community. From sponsoring local events to partnering with schools for educational programs, we believe in giving back and helping those around us thrive. While members can visit us at 1380 N Courtenay Pkwy Merritt Island Fl 32953, official correspondence should be sent to 1380 N Courtenay Pkwy, Merritt Island, FL 32953 if different. Our branch features an ATM for your convenience along with drive-thru banking services available during regular hours: Monday through Wednesday from 9 AM to 5 PM, Thursday from 10 AM to 5 PM, and Friday from 9 AM to 5 PM. Join us at Addition Financial today! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community dedicated to your success. For more information or assistance, feel free to contact us at (407) 896-9411. Together, let's build a brighter financial future!

Our Mission

At the heart of Addition Financial's mission is a dedication to improving the lives of those we serve. We strive to provide exceptional financial products while emphasizing community support and outreach. Our goal is not just to be a financial institution but a partner in your journey toward success whether it's buying your first car or starting a new business. We also recognize the importance of technology in modern banking. That's why we've embraced digital advancements like online banking and mobile payment options, ensuring our services are convenient and accessible for all members. Additionally, we are proud to be ADA compliant, making sure everyone can benefit from our offerings.

Branch Location & Accessibility

Welcome to the Addition Financial Merritt Island Branch, conveniently located at 1380 N Courtenay Pkwy in beautiful Merritt Island, FL. Our branch is situated near popular landmarks, making it easy for you to stop by while you're out and about. Whether you're visiting the local parks or enjoying a day of shopping, we are just a short drive away. At Addition Financial, we believe in making banking accessible for everyone. Our branch features ample parking and is ADA compliant, ensuring that all members can easily access our services. We offer a friendly atmosphere where you'll feel right at home. Our operating hours are designed to fit your busy schedule: we're open Monday through Wednesday from 9 AM to 5 PM, Thursday from 10 AM to 5 PM, and Friday from 9 AM to 5 PM. If you're in a hurry, take advantage of our drive-thru banking service where you can handle deposits, withdrawals, and simple transactions without ever leaving your car. For added convenience, we also have ATM availability on-site so you can access cash anytime you need it. Should you require any assistance or have questions about our services ranging from personal checking accounts to auto loans don't hesitate to call us at 407-896-9411. While members can visit us at our branch location for all their banking needs, please note that official correspondence should be sent to the same address: 1380 N Courtenay Pkwy, Merritt Island, FL 32953. We invite you to come by and experience the Addition Financial difference today! Your financial well-being is our priority, and we look forward to welcoming you soon.

Member Eligibility

At Addition Financial, we believe that everyone deserves a chance to thrive in their financial journey. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in the communities we serve, you're already on your way to joining our supportive family. We also welcome family members of existing members, ensuring that your loved ones can benefit from our services too. To learn more about specific eligibility criteria, feel free to visit our detailed page at http://www.additionfi.com/personal/get-started/addition-financial-membership. Opening an account is a straightforward process that can set you up for financial success with access to personalized services and competitive rates. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (407) 896-9411. We're here to help you every step of the way! Join us at 1380 N Courtenay Pkwy Merritt Island Fl 32953, and let's start building your brighter financial future together. For complete details on account opening, check out http://www.additionfi.com/personal/get-started/addition-financial-membership.

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

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.

Merchant Services Designed for Success

In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. Imagine a busy restaurant seamlessly processing orders while keeping track of inventory and sales all through one system. Our services empower local businesses like yours to thrive by streamlining operations and improving cash flow. Located at 1380 N Courtenay Pkwy Merritt Island Fl 32953 in Merritt Island, FL, we are dedicated to being your partner in success. Call us today at (407) 896-9411 to learn more about how our business banking services can help you achieve your dreams!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, Addition Financial provides essential business banking services. From merchant services that allow you to accept payments easily to business loans designed to help you grow your company, we have the tools you need to succeed. Your business deserves a partner who understands its unique challenges, and we're here for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can manage your accounts anytime and anywhere with just a few taps on your smartphone or clicks on your computer. Need cash? Our ATM services provide quick access for withdrawals and balance checks without hassle. If you're ever on the go but need to handle simple transactions like deposits or withdrawals, our drive-thru banking is ready when you are.

Member Support

At Addition Financial, member support is at the heart of what we do. With friendly staff ready to assist you over the phone at 407-896-9411 or in person at our branch, getting answers to your questions is always just a call or visit away. We invite you to explore all that Addition Financial has to offer. Whether you're starting out in life or planning for retirement, we have the resources to support your journey. Visit us today or check out our website at www.additionfi.com for more information on how we can assist you in achieving your financial goals!

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that cater to different lifestyles and financial goals. If you're thinking about purchasing a vehicle, our auto loans and vehicle financing options can make your dream car a reality without straining your budget. Additionally, if you're looking to buy a home or refinance your existing mortgage, our mortgage loans come with competitive rates and flexible terms. Sometimes life brings unexpected expenses, and that's where our personal loans and debt consolidation services come into play. We understand that managing debt can be overwhelming, so we provide solutions to help simplify your financial obligations. Plus, with credit cards that offer rewards, you can earn while you spend!

Digital & Online Banking

In today's fast-paced world, having access to your banking services anytime and anywhere is a game changer. At Addition Financial, we prioritize your convenience and security with a robust suite of digital and online banking services designed just for you. With our online banking platform, you can manage your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, our user-friendly interface makes it easy to handle your finances on the go. Plus, with features like electronic signature authorization, securing transactions has never been simpler or safer. For those who prefer going paperless, e-statements are readily available. This means you can keep track of your finances without the clutter of paperwork, all while enjoying the peace of mind that comes from knowing your information is stored securely. Mobile payments are also at your fingertips! With our mobile application, making purchases is as easy as a few taps on your smartphone. You can even send money directly to friends or family with our person-to-person transfer feature perfect for splitting dinner bills or sending gifts. At Addition Financial, we understand that life doesn't stop when the bank closes. That's why our online banking services are accessible around the clock. No matter where you are or what time it is, you'll have real-time access to your accounts and transactions. Explore all these features and more by visiting us online at http://www.additionfi.com/. We're committed to making banking simple, secure, and tailored to meet your needs. Join us today and experience the ease of digital banking!

Financial Strength

Member-Focused Savings

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.

Operational Efficiency

Our net income of $0 reflects our commitment to operational efficiency. This enables 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.

Reinvestment for Growth

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.

Solid Financial Health

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 10.90% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Community Presence

Total Share Accounts: 418,291 show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $58,843,510, further reinforcing our ability to support the community. 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 1380 N Courtenay Pkwy Merritt Island FL 32953 or call 407-896-9411 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Services

In addition to these loan products, we offer various services such as online and mobile banking for easy account management. If you're interested in learning more about eligibility or refinancing options for any of our products, please visit us at Addition Financial or call us at 407-896-9411. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today and let's discuss how we can support your financial journey!

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. We provide flexible terms to ensure that your car financing fits within your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $116,160,389 provide the capital needed to grow and expand. We know how crucial it is for businesses to have access to funds when they need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $138,639,499, make buying or refinancing simple. We know that securing a mortgage can be daunting; our dedicated team will work with you to find solutions that meet your needs.

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. This option provides you with the freedom to make purchases without tying up other assets as collateral.

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