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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.

How Do I 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.

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.
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What You Will Need:

  • Unexpired government issued ID (i.e., driver's license, state ID, passport, etc.)
  • If the address on your ID does not match your current residence: current utility bill, vehicle registration, lease or rental agreement, mortgage documents, voters registration card, bank statements, pay stub, or official mail (i.e., IRS documents, credit card statements, home or auto insurance, or court documents.)
  • Complete physical address
  • E-mail address
  • Social Security Number
  • Eligibility: anyone who lives, works, worships, attends school or vocational training, or is an alumni of any college, university, or educational institution located in a qualifying county
  • Payment ready for a $10 membership fee and $5 minimum balance in share savings

Or, we'll walk you through it

If you prefer, you may call the Contact Center or visit one of our convenient branch locations to speak with a friendly team member who will be happy to assist you with new accounts, loans, and credit cards.