Estate planning at Addition Financial
How to protect 17 Addition Financial accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
Verified Apr 2026
Addition Financial is a credit union offering 17 accounts that interact with estate planning in different ways. As a membership-based credit union, Addition Financial 45 branch locations across Central Florida (Orange, Seminole, Volusia, Lake, Osceola, Brevard counties), North Florida (Leon and Gadsden counties/Tallahassee area, plus Marianna, Quincy, and Chattahoochee), and South Georgia (Thomas and Decatur counties/Thomasville and Bainbridge). Access to 5,000+ shared branch locations nationwide through CO-OP Shared Branch Network. Free Publix Presto! ATMs available throughout the Southeast. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Managing beneficiaries at Addition Financial is straightforward—changes can be made in branch and by phone, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
There are two sides to estate planning at Addition Financial: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 17 account types at Addition Financial.
View details →When someone dies
Death claim process
4-step process, 5 required documents, and contact information for survivors.
View details →Addition Financial is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Addition Financial serves members primarily in Central Florida, North Florida, and South Georgia. Membership is also available to employees of select employer groups and family members of existing members. Members gain access to 45 branch locations and over 5,000 shared branch locations nationwide through the CO-OP Shared Branch Network.
Addition Financial offers trust accounts, representative payee accounts, UTMA accounts, estate accounts, VA accounts, and guardianship accounts. All special purpose accounts require an in-branch appointment. Schedule an appointment by calling 407-896-9411 or 800-771-9411, or online at additionfi.com/appointment.
Yes. Eligible deposit accounts including checking, savings, money market, and share certificates can be retitled to a revocable living trust. Trust accounts are classified as special purpose accounts and require an in-branch appointment. Schedule an appointment by calling 407-896-9411 or 800-771-9411, or online at additionfi.com/appointment. Bring the complete trust document or certification of trust and government-issued ID for all trustees.
IRAs cannot be retitled to a trust, but you can name a trust as beneficiary on your IRA account. Contact Addition Financial at 407-896-9411 or 800-771-9411 to update your IRA beneficiary designation form. IRA beneficiary designations are separate from deposit account POD designations.
Savings Plus earns 4.00% APY on balances up to $5,000 and requires any active checking account. Growth Plus Money Market is designed for balances of $10,000 or more with a significant rate increase at that threshold, and requires an active Classic or Benefits Checking account. Both accounts have dividends compounded daily and paid monthly with no minimum opening deposit.
Yes. Addition Financial members have access to over 5,000 shared branch locations nationwide through the CO-OP Shared Branch Network. Members also have access to free Publix Presto! ATMs throughout the Southeast and online/mobile banking services from anywhere.
Sources
Data sourced from Addition Financial primary sources (23 pages reviewed). How we research.
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
Verified Apr 2026
Estate planning articles
Learn how to protect your Addition Financial accounts and other assets with trusts, beneficiary designations, and estate planning documents.
