Addition Financial Credit Union - Lake Mary logo

Addition Financial Credit Union - Lake Mary in Lake Mary, FL

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Addition Financial Credit Union operates 25+ branches across Central Florida, including Lake Mary, offering members deposit accounts, ATM access, and basic financial services with federal NCUA insurance protection.

Data compiled from public sources

Addition Financial Credit Union - Lake Mary Review

Addition Financial Credit Union is a federally insured credit union serving the Central Florida region with over 25 branch locations. The Lake Mary branch is located at 1000 Primera Boulevard and operates with extended drive-thru hours (8 AM to 6 PM most days) to accommodate member schedules. As a credit union rather than a traditional bank, Addition Financial emphasizes member ownership and community focus, with routing number 263181384 for electronic transactions.

The Lake Mary location provides comprehensive banking services including checking and savings accounts, safe deposit boxes, notary services, coin counting, and debit card instant issue capabilities. Members can access funds through multiple channels: the physical branch, drive-thru window, 24-hour ATMs at the branch, Presto! ATMs at Publix locations throughout the Southeast (with no surcharge for Addition Financial debit cards), and the CO-OP Shared Branch Network comprising 5,000+ locations nationwide.

S. Savings Bond redemption, and loan payment processing. S.

to access banking services at partner locations. The Presto! ATM partnership with Publix supermarkets provides convenient fee-free cash access across the Southeast.

The branch offers an ATM + Live Teller hybrid service at select locations, combining 24-hour automated access with personalized teller assistance. Online appointment scheduling and multiple contact methods (phone, toll-free, email) enhance accessibility. As a credit union, Addition Financial members benefit from federal NCUA insurance protection on deposits.

The Lake Mary branch has limited lobby hours (9-5 on most weekdays, closed Saturdays) and Thursday morning operations don't begin until 10 AM, which may inconvenience some members despite extended drive-thru availability.

Services & Features

24-hour ATM access (balance inquiries, deposits, withdrawals, transfers)
CO-OP Shared Branch Network access (5,000+ locations)
Checking and savings accounts (deposit accounts)
Coin counting
Debit card instant issue
Drive-thru ATM services
Loan payment processing
Money orders and official checks
Notary services
Presto! ATM access at Publix locations (fee-free with Addition Financial debit card)
Safe deposit boxes
U.S. Savings Bond redemption

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Federally insured by NCUA, providing deposit protection up to $250,000 per account category
  • Extended drive-thru hours (8 AM-6 PM most days, 8 AM-3 PM Saturday) for convenient after-hours banking
  • Free ATM access at 5,000+ CO-OP Shared Branch locations nationwide for traveling members
  • Fee-free Presto! ATMs at Publix supermarkets throughout the Southeast via debit card
  • Instant debit card issuance available at the branch for immediate card activation
  • 24-hour branch ATM access for deposits, withdrawals, balance inquiries, and transfers
  • Hybrid ATM + Live Teller service at select branches combining automation with personal assistance

Cons

  • Limited lobby hours (9-5 weekdays, closed Saturdays) restrict in-person appointment availability during evenings and weekends
  • Website does not disclose loan products, interest rates, APRs, or fee schedules for comparison
  • No information provided about membership eligibility requirements or account minimum balances
  • Limited branch network (25+ locations) may not serve all Central Florida residents compared to national banks
  • Thursday branch opens at 10 AM instead of 9 AM, creating scheduling inconsistency

State Consumer Finance Context

This is state-level context for Credit Unions consumers in Lake Mary, FL. It does not confirm that Addition Financial Credit Union - Lake Mary or this specific location is licensed.

State regulator

Florida Office of Financial Regulation

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Addition Financial Credit Union - Lake Mary offer?

Addition Financial Credit Union - Lake Mary offers 12 services including Checking and savings accounts (deposit accounts), Safe deposit boxes, Notary services, Coin counting, Debit card instant issue, and 7 more.

What profile signals are listed for Addition Financial Credit Union - Lake Mary?

Addition Financial Credit Union - Lake Mary has profile signals associated with Central Florida residents seeking NCUA-insured deposit accounts with extended drive-thru accessibility, Members who travel frequently within the U.S. and need nationwide shared branch access, Publix shoppers wanting fee-free ATM access integrated into regular grocery shopping, Individuals prioritizing credit union membership structure and community-focused banking.

What are the strengths and weaknesses of Addition Financial Credit Union - Lake Mary?

Key strengths: Federally insured by NCUA, providing deposit protection up to $250,000 per account category; Extended drive-thru hours (8 AM-6 PM most days, 8 AM-3 PM Saturday) for convenient after-hours banking; Free ATM access at 5,000+ CO-OP Shared Branch locations nationwide for traveling members. Areas to consider: Limited lobby hours (9-5 weekdays, closed Saturdays) restrict in-person appointment availability during evenings and weekends; Website does not disclose loan products, interest rates, APRs, or fee schedules for comparison.

How does Addition Financial Credit Union - Lake Mary compare to similar companies?

In the Credit Unions category, comparable providers include AA Credit Union, Dade County Federal Credit Union, Jax Fire Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
1000 Primera Blvd Entrance, Lake Mary, FL 32746
BBB Accredited
No
Visit Addition Financial Credit Union - Lake Mary

CreditDoc Profile Note

Research Note on Addition Financial Credit Union - Lake Mary

profile signals for Central Florida residents seeking a federally insured credit union with convenient drive-thru banking and nationwide ATM access. Primary caveat: the website lacks critical information about loan products, rates, fees, and membership requirements needed to evaluate this institution as a complete financial services provider.

Profile Signals

  • Central Florida residents seeking NCUA-insured deposit accounts with extended drive-thru accessibility
  • Members who travel frequently within the U.S. and need nationwide shared branch access
  • Publix shoppers wanting fee-free ATM access integrated into regular grocery shopping
  • Individuals prioritizing credit union membership structure and community-focused banking
Updated 2026-05-08

Similar Companies

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BBB: NR

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Dade County Federal Credit Union logo

Dade County Federal Credit Union

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Jax Fire Credit Union

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Quick Summary

  • Addition Financial Credit Union - Lake Mary is listed as a Credit Unions provider in Lake Mary, FL on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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