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Become a Member

Addition Financial helps you make every moment and every penny count. From simple everyday money management to planning, saving and financing for your long-term goals, we’ve got the tools and know-how that give you the power to accomplish your goals.

Who Can Join

Addition Financial’s field of membership is based on a community charter.  Anyone who lives, works, worships, attends school or vocational training, or is an alumni of any college, university, or educational institution located in Orange, Osceola, Seminole, Lake, Alachua, Brevard, Duval, Flagler, Hernando, Highlands, Hillsborough, Indian River, Marion, Martin, Okeechobee, Pasco, Pinellas, Polk, St. Johns, St. Lucie, Sumter, or Volusia County may join.  If you become a member of Addition Financial, your immediate family members are automatically eligible to join.

Why Join

Because smart banking = better living

As a member-owned, not-for-profit financial cooperative, we’re here because of you. Our profits don’t go toward lining some investor’s pocket, they go toward making your life better with more dividends, fewer fees and powerful tools. 

  • Accounts that earn more and loans that cost less.
  • Anytime, anywhere access to make your life easier.
  • Safety and security for your funds.
  • Deals and discounts to help you save money on the things you like to do.
  • Free financial know-how to help you improve your money smarts.
  • Local roots, convenient locations and community involvement.

What You'll Need

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One of the following forms of identification (ID):

  • Driver's license
  • Military ID
  • Passport
  • Permanent residency card
  • State Issued ID

Social Security number

$5 to open your Share Savings account

$10 for membership fee


Proof of residency if the address on your ID does not match your current residence. You can use any of the following documents:

  • Current utility bill (within the last 30 days)
  • Current vehicle registration
  • Current lease or rental agreement
  • Current mortgage documents/coupons
  • Current voters registration card
  • Bank statements (within the last 30 days)
  • Paystubs (within the last 30 days)
  • Official mail (IRS documents, mail from credit card accounts, home or auto insurance, or court documents)

How to Join

Becoming a member is simple. You don’t have to pass any tests, learn any secret handshakes or survive any hazing rituals. All you need is $5 to open a Share Savings account and $10 for a one-time-only lifetime membership fee. If you’re a student, we’ll even waive the fee and spot you the five bucks. What’s up with having to open a savings account even if you’re just here for a loan? It’s because we’re a financial cooperative – that savings account is what makes you a part owner of Addition Financial.

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Use our simple and secure online application to apply to open a savings account, checking account, money market and/or share certificate in 10 minutes or less. While you’re at it, you can request a debit card, set up online bill payments and more.

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In Branch

If you’re thinking about joining but still have questions, come check us out in person. Our friendly staff will be happy to talk with you. Once you've made your decision to join, account setup is quick and easy. You can even walk out with an instant-issue debit card for your new account.

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Over the Phone

Looking for something halfway between in person and online? We’ve got you covered. Just call our Contact Center to speak with a Member Service Representative for answers to your questions and help setting up your account.