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.

Man and woman in cafe.

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.
Father holding baby

We’re here because people still need better banking

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. Originally named Orange County Teachers' Federal Credit Union, the credit union offered members basic savings accounts and small loans.

The more things change, the more they stay the same.

The world has changed a lot since 1937 and so have we. Once a small financial cooperative, Addition Financial is now one of the largest credit unions in Central Florida with more than $1.8 billion in assets and approximately 160,000 members. Our best-in-class offerings are regularly recognized by Bauer Financial. We’ve traded typewriters and ledger books for mobile apps and powerful online banking tools. 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 in real life

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.


Meet our president and board of volunteer visionaries

Kevin Miller, President and CEO
Kevin S. Miller

President and CEO

Mary Lynn Williams


Errol Greene, 1st Vice Chairman
Errol Greene

1st Vice Chairman

Richard Collins, 2nd Vice Chairman
Richard L. Collins

2nd Vice Chairman

Janet Bush, Secretary
Janet E. Bush


Naval Modani
Naval Modani


Dale Kelly, Director
Dale C. Kelly


Ronald Person, Director
Ronald Person


Be part of our team

Making a difference in people’s lives and in the community. Being part of a team that supports each other. Feeling good about the time you spend at work each day. Getting competitive pay and benefits without sacrificing balance in your life. There are so many reasons to become part of the Addition Financial team. Would you like us to count you in?

Family laughing with each other on the couch

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.