Addition Financial Saint Cloud FL Credit Union

Introduction

Welcome to Addition Financial at our St. Cloud Branch, located at 3335 13Th St, Saint Cloud, FL 34769. Since our establishment in 1937, we have proudly served our community, growing to a total membership of 185,450 and managing assets totaling an impressive $2,667,041,814. At Addition Financial, we believe in building strong relationships with our members. Whether you are looking for personal banking solutions like checking and savings accounts or seeking financing options such as auto loans and mortgages, we've got you covered. We currently hold $145,313,393 in deposits and have facilitated over 88,606 loans to help our members achieve their financial goals. Our team is led by CEO Kevin Miller and Board President Richard Collins, who are dedicated to ensuring that every member receives the support they need. With a workforce of 516 employees, we are committed to providing exceptional service that reflects our values of trust and reliability. While members can visit us at the branch for all their banking needs, official correspondence should be sent to the same address: 3335 13th St, Saint Cloud, FL 34769. Whether you're a long-time member or exploring your options for the first time, we invite you to reach out to us at 407-896-9411 or visit our website at www.additionfi.com. Experience how Addition Financial can help you navigate your financial journey with confidence!

Branch History & Mission

Join Us!

As we look toward the future, we invite you to join Addition Financial on this journey of growth and support. Discover how our member-focused approach can benefit you by visiting us or giving us a call at (407) 896-9411. Experience firsthand the difference a community-driven credit union can make in your financial life!

Our Evolution

From our humble beginnings nearly a century ago, Addition Financial has continually evolved to meet the changing needs of our community. Our commitment to providing exceptional financial services has driven us to innovate and expand our offerings. Today, we provide a wide range of services that include personal banking, auto loans, mortgage options, business banking solutions, and robust online and mobile banking capabilities. Our operating hours are designed with your convenience in mind: we welcome you Monday through Wednesday from 9 AM to 5 PM, Thursday from 10 AM to 5 PM, Friday from 9 AM to 5 PM, and Saturday from 9 AM to 1 PM. For those on the go, we also offer drive-thru banking during these hours and an ATM for quick cash access.

Our Mission

At Addition Financial, our mission goes beyond just providing financial products; we aim to empower individuals and support our community's growth. We believe that everyone deserves access to quality financial services that can help them achieve their goals. This belief drives us to not only serve our members but also engage in various outreach efforts throughout Saint Cloud and beyond. We take pride in being a community-focused organization that actively participates in local events and initiatives. By partnering with schools and charities, we strive to create opportunities for education and development within our neighborhoods. While members can visit us at 3335 13Th St Saint Cloud Fl 34769, official correspondence should be sent to 3335 13th St, Saint Cloud, FL 34769 if it differs.

Branch Location & Accessibility

Convenient Access and Amenities

At Addition Financial, we prioritize your convenience and accessibility. Our branch features ample parking for all members, ensuring that your visit is hassle-free. Plus, we are committed to providing accessible banking options with ADA-compliant facilities, including ramps and designated parking spaces. Our operating hours are designed to fit into your busy schedule: visit us Monday through Wednesday from 9 AM to 5 PM, Thursday from 10 AM to 5 PM, Friday from 9 AM to 5 PM, and Saturday from 9 AM to 1 PM. We also offer drive-thru banking for quick transactions without having to leave your car.

Let's Connect!

We invite you to stop by or give us a call at 407-896-9411 if you have any questions or need assistance. At Addition Financial, we're dedicated to helping you achieve your financial goals while making banking as easy as possible! Come see us today!

Services Tailored for You

Addition Financial is not just about convenience; we also offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Our ATM is available on-site for quick withdrawals or balance checks. If you're looking for business banking solutions, our team is ready to assist with merchant services and business loans as well. While members can visit us at our main address for all their banking needs, please remember that official correspondence should be directed to our mailing address at the same location: 3335 13th St, Saint Cloud, FL 34769.

Member Eligibility

Joining the Addition Financial family is more than just opening an account; it's about becoming part of a community that cares. If you're wondering whether you can be a member, the good news is that eligibility is quite accessible! Generally, anyone who lives, works, or worships in the local area can become a member. This means if you're in or around Saint Cloud, you're likely eligible to join us at our welcoming branch located at 3335 13Th St, Saint Cloud, FL 34769. Plus, there are many benefits to being part of Addition Financial, including competitive rates on loans and savings accounts and personalized service that puts your needs first. Ready to take the next step? Opening an account with us is simple and straightforward! For more detailed information on eligibility and how to become a member, check out our page at Addition Financial Membership. If you have any questions or need assistance, don't hesitate to give us a call at 407-896-9411. We're here to help you start your journey with us!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine streamlining your payment processes while enhancing customer satisfaction. Our merchant services make it easy for you to accept payments, manage transactions efficiently, and keep your cash flow smooth. Whether you're running a local café or a retail shop, our tools are designed to fit seamlessly into your operations. Visit us at 3335 13Th St, Saint Cloud, FL 34769, or call us at 407-896-9411 to learn more about how Addition Financial can support your business journey today!

Tailored Financing Solutions

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, our business banking solutions are essential. We offer merchant services and business loans that help you grow and manage your business effectively. With Addition Financial, you have a partner who understands the challenges of running a business and is ready to support your journey.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking at Addition Financial. Our online and mobile banking platforms let you access your accounts anytime, anywhere whether it's checking balances or transferring funds between accounts. You can also enjoy ATM services for cash withdrawals and balance checks at your convenience.

Drive-Thru and ATM Services

If you prefer face-to-face interactions for simple transactions like deposits or withdrawals, our drive-thru service makes this easy without leaving your car. We also provide basic ATM access so that cash withdrawal is never out of reach. At Addition Financial, located at 3335 13Th St, Saint Cloud, FL 34769, we aim to be more than just a financial institution; we want to be part of your community and support your financial journey every step of the way. For any questions or assistance regarding our services, don't hesitate to call us at 407-896-9411. Explore the possibilities with us today! Visit our website or come by the branch to learn more about how we can help you achieve your financial goals.

Loans and Credit Options

We also know that life can throw unexpected expenses your way. That's where our personal loans come in handy for debt consolidation or covering urgent costs. Plus, our credit cards with rewards allow you to earn while you spend, adding value to every purchase you make.

Personal Banking Solutions

Our personal banking services are crafted with you in mind. You can open checking and savings accounts that fit your lifestyle, making it easier to manage your money. If you're considering purchasing a new car, our auto loans and vehicle financing options offer competitive rates and flexible terms. Additionally, if you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans provide personalized solutions tailored to your financial situation.

Digital & Online Banking

Key Features for Your Convenience

Need to send money to a friend? Our person-to-person transfer feature allows you to do just that in no time. Plus, if you're always on the move, our mobile application provides an intuitive platform for banking at your fingertips. You can even set up mobile payments for quick transactions right from your phone. Worried about paperwork? With our electronic signature authorization, signing documents is a breeze no more trips to the branch. And because we prioritize your security, you can rest easy knowing that all transactions are protected with the latest technology. In addition to these features, our online banking platform is user-friendly and accessible, so you can manage your account in real-time whenever it suits you. If you want to learn more about our digital services or get started today, visit us at http://www.additionfi.com/ or call us at (407) 896-9411. At Addition Financial, we're committed to making banking as simple and convenient as possible for you!

Financial Strength

A Growing Membership Base

With 418,291 total share accounts, we have a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $58,843,510, reflecting our commitment to enhancing your financial future. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Addition Financial is your trusted partner. Visit us at 3335 13Th St or call 407-896-9411 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $256,092,993 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust with $17,877 in used auto loans and $1,861,918,697 in total loans and leases supporting members' financial goals across various sectors. Our operational efficiency is highlighted by a net income of $0, which 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.

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.

Strong 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.

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 purchasing a brand-new vehicle or a reliable used one, our financing options are tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $116,160,389 provide the capital needed to grow and expand. We understand the challenges faced by small businesses and are committed to supporting their growth through tailored loan solutions.

Credit Card Loans

Managing your finances effectively is important. We also offer flexible terms on unsecured credit card loans, with a total of $77,578,208 in loans available for our members. This option can help you manage expenses while enjoying benefits that come with our credit cards.

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 believe that homeownership should be accessible to everyone, and our team is here to guide you through the process.

Refinancing Options

If you're looking for better rates or want to change your loan terms, we offer refinancing options that could save you money over time. Our team will work with you to explore eligibility and find a solution that best fits your needs. You can reach us at 407-896-9411 for more information about any of these loan products or to discuss how we can assist you further. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. No matter what your financial goal may be, Addition Financial is here to help you every step of the way!

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Addition Financial