A retired couple kayaking.


Do Less + Earn More

When you commit to setting money aside for a specific period of time, you can earn higher dividends with zero risk and no extra effort.

Term share certificate


If you’re interested in the opportunity to collect dividends, but don’t want to put away your money for too long, Addition offers terms as short as six months.


Bump-up certificate


Give your savings a boost with a 39-month bump-up certificate. During your term, take advantage of rising rates and increase your annual percentage yield (APY).


“Set it and forget it” savings plan

Earning greater dividends is easier than ordering that triple-skim-iced-caramel latte you love. All you have to do is decide how much you want to set aside and how long you want your money to grow. Then you can sit back and watch your deposit get bigger thanks to guaranteed returns. When your term is up, your Certificate will automatically renew and keep earning competitive interest unless you decide you want to do something else with your money. It’s that easy!

*Penalties may be imposed for early withdrawal.

Term share certificate
  • Fixed rate of return
  • No monthly service charge
  • Flexible ways to receive dividends
  • Terms available from 6 months to 5 years
  • IRA and Savings Builder options available
  • Dividends compounded monthly with $1000 minimum balance
  • Funds available at maturity**
Bump-up certificate
  • Flexible rate of return
  • No monthly service charge
  • Flexible ways to receive dividends
  • 39 month term; renews into a 36 month certificate
  • Dividends compounded monthly
  • Funds available at maturity**

*Term share certificates perform similarly to certificates of deposit (CDs) traditionally issued by retail banks. 

**Penalties may be imposed for early withdrawal.

Dividends are credited monthly. Fees and conditions could reduce earnings. All rates are subject to change.


How much will your savings be worth in the future?

Ever wondered how much your money could grow over time? Our calculator does the heavy lifting for you. Just plug in some numbers and see how your investment can blossom into something bigger.

How much will my retirement savings be worth in the future?


Why Addition Financial?

Earn More + Pay Less

Competitive rates on deposits, loans and credit cards.

24/7 Convenience

Manage your account completely online.

Keep It Local

Your money stays right here in the community.

Man and woman having fun in a park.

Savings that adds up over time

Take advantage of competitive market rates that keep your funds liquid. Open a certificate today.
  1. 1
    If you're not currently a member, review eligibility

    Anyone who lives, works, worships, volunteers or attends school in select counties may join. View our "Become a Member" page for full eligibility.

  2. 2
    Complete account application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Once you're a member, open your Certificate

    Book an appointment at your local branch, give us a call at (407) 896-9411, or log into your digital banking account to open your Certificate and start growing your savings.

Get your learn on

Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.