About Addition Financial

At Addition Financial, we’re all about giving our members more. More room to grow. More open road. More time for what’s important. More knowledge and empowerment. More challenges conquered and dreams realized. That’s because we’re more than just a place to bank and borrow. We’re also your financial partner and personal success coach. We believe that your want-to plus our know-how equals endless possibilities. So wherever you want life to take you, count us in.®

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Man holding and kissing his baby girl
Two older men sitting on a bench in a park and laughing
Different = Better

Addition Financial is a member-owned, not-for-profit financial cooperative. But what does that mean for you? It means we exist solely for the benefit of our members. It means we return our profits to you in the form of better loan rates, better savings rates and fewer fees. It means we make your goals our goals. And it means we’re by your side for every challenge, every dream, every day.

From humble beginnings

Originally named Orange County Teachers' Federal Credit Union, our story began when 23 educators from Orange County got together to create a better financial alternative than what banks were offering. That was in 1937, when you could buy a gallon of gas for about 10 cents and a new home for less than $6,000.

People still need better banking

The world has changed a lot since 1937 and so have we. Addition Financial is now one of the largest credit unions in Central Florida. We’ve updated our product offerings, eligibility requirements and even our name as we continuously evolve to serve the needs of our members. But the thing that matters most hasn’t changed at all: our focus on providing personalized service. Your financial well-being is still the reason we exist. That will always drive everything we do.

Our mantra + How it happens

We empower and transform lives by building knowledge and skills through financial education. Experience the Addition Financial difference yourself by exploring what we do and how we do it.

Latest Annual Report
What is a Credit Union?
Community News & Press

Meet our president and board of volunteer visionaries


At Addition Financial, we have dedicated more than 80 years to helping our members achieve their money management goals. Whether you’re opening that first savings account, paying for braces, or purchasing your dream home, you can count us in at Addition Financial to be there for you every step of the way. We believe in building trusted relationships with our members and helping them create successful outcomes in their lives. Our people-first mindset is at the heart of all that we do. We are proud to welcome all members to the Addition Financial family, and look forward to serving each and every one along their financial journey.

Count us in.®


Kevin Miller
President & CEO

Mary Lynn Williams
Errol Greene
1st Vice Chairman
Richard L. Collins
2nd Vice Chairman
Janet E. Bush
Naval Modani
Dale C. Kelly
Ronald Person

Addition Financial Commercials

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Life’s better as a member

We’re here because of you. Our profits don’t go toward lining some investor’s pocket, they go toward making your life better and easier with lower loan rates, higher savings dividends and fewer fees. Why? Because being a member means you actually own part of our not-for-profit financial cooperative. We’d love to count you in.