Christian Banking Built on Faith and Purpose

AdelFi is a Christian credit union serving individuals, families, churches, and ministries across the United States. Bank with a community that shares your values and keeps faith at the center of every decision.

Become a Member Today!

Banking Products for Christian Families, Churches, and Ministries

Whether you are opening an account for your household or managing finances for a ministry, AdelFi offers practical, faith-based banking built around your needs.

  • Savings & Money Market

    Earn competitive returns on your savings with a faith-based credit union.

    Rate: 5.00% APY*
    Open Account

  • Certificates

    Grow your savings with fixed terms and guaranteed returns.

    Rate: 4.00% APY*
    Open Account

  • Credit Cards

    Earn cash with everyday shopping while fueling Kingdom impact.

    Rate: 1.5% Cash Back
    Open Account

  • Auto Loans

    Flexible terms with competitive rates for new and used vehicles.

    Rate: 6.49% APR**
    Open Account

  • Home Loans

    Flexible homeownership options with competitive rates for purchase or refinance as low as:

    Rate: 5.533% APR**
    Open Account

  • Ministry Savings & Money Market

    Set aside reserves for building projects, missions, or operating needs.

    Rate: 5.00% APY*
    Get Started

  • Ministry Certificates

    Lock in a fixed rate for designated funds.

    Rate: 4.00% APY*
    Get Started

  • Church Loans

    Financing for church construction, renovation, expansion, & property acquisition with rates as low as:

    Rate: 5.50% APR**
    Get Started

  • Ministry Credit Cards

    Earn rewards while you support Kingdom work with everyday spending.

    Earn: 1.5% Cash Back Rewards*
    Get Started

  • Business Savings & Money Market

    Build reserves, set aside tax funds, or save for future growth.

    Rate: 5.00% APY*
    Get Started

  • Business Certificates of Deposit

    Fixed-rate terms for planned expenses, capital reserves, or surplus funds.

    Rate: 4.00% APY*
    Open Account

  • Business Credit and Debit Cards

    Earn rewards & manage business expenses with cards designed for Christian-owned organizations.

    Earn: 1.5% Cash Back Rewards*
    Apply Now

Find a Home and Build a Future with AdelFi

Whether you are buying a new home, refinancing, or funding home improvements, AdelFi Christian Banking is here to help with home loan options built for your needs. Home Loan Rates as low as 5.533% APR.**

View Home Loan Rates
Lower-Than-Market Adjustable and Fixed Rates
3% & 5% Down Payment Options Available
Flexible Home Equity Line of Credit (HELOC)

Tools and Resources to Manage Your Money with Confidence

  • ATMS & Locations

    Nationwide Access

    Bank wherever you are with 5,000+ shared branches nationwide through the CO-OP Network, plus 30,000+ surcharge-free ATMs. Whether you are traveling, relocating, or serving in ministry, your accounts go with you.

    Find a Location

  • Home Equity Line of Credit

    Flexible access to funds for home improvements, major expenses, or unexpected needs. Plus, for a limited-time get a special intro rate of 3.99% APR* for 6 months!

    A Home Equity Line of Credit from AdelFi gives you a revolving credit line secured by your home. Borrow what you need, when you need it, and only pay interest on what you use.

    Apply for a HELOC

  • Financial Calculators

    Plan your next step with savings, loan, and mortgage calculators. See your numbers clearly so you can make confident decisions about what comes next.

    Explore Calculators

Putting Faith into Action.

Banking and personal service rooted in shared Christian values. Serving, giving, and stewarding with purpose, together.

Serve

Banking with AdelFi supports work that matters. Your deposits help fund lending for churches, Christian schools, and ministry facilities across the country. We have supported more than $1 billion in ministry real estate loans, helping congregations and organizations build for the future.

How we support ministries

Give

Through our “Cards that Give to Missions” program, every purchase with your AdelFi credit card generates a donation to Christian ministries and organizations worldwide. Since 1995, this program has contributed over $6.5 million to missions work. Our team also volunteers hundreds of hours each year to serve communities in need.

See our global impact

Stewardship

We believe banking should be an act of biblical stewardship. At AdelFi, every financial decision connects to something bigger. We keep fees low, offer competitive rates, and put your resources to work in ways that honor your faith and support Kingdom work.

Our approach

Trusted by Christians Across the Country

AdelFi serves Christians of most denominations, from first-time account holders to long-established churches and ministries. Whether you are a young family, a pastor, or a church treasurer, you can count on a financial partner that understands your values.

  • “AdelFi is amazing! They donate a portion of your spend to ministries and they offer competitive credit card cash back rewards and interest rates on their financial products.”
    – Ben S.
  • “It feels good to know that they give to Christian missions and that I will not be cancelled due to my Christianity. Customer service is great. I have had absolutely no problems. Thank you AdelFi!”
    – Kim D.
  • “I have been with them remotely from Colorado for well over 10 years. I really appreciate the employees and the fact that any profits are used to help missionaries. I love that! I also also get excellent service from customer service and their online presence is quite up-to-date.”
    – Cindy M.
  • “There is still at least one financial institution that shines GOD’s light in this seemingly ever-darkening world. That’s “MY” AdelFi!”
    – Ray W., Waco, TX
  • “I’ve been using AdelFi for almost a year now. My wife and I love them! We are from Ohio so the Co-op network feature is very convenient. I would definitely recommend them for any Believer in the US!”
    – David S.
  • “Thank you again for all the work that AdelFi does. As members for more than 50 years, we continue to be impressed by the skill and professionalism of the entire organization. We feel fortunate to be a part of such a worthy institution”
    – Ken and Catherine, CA, (Member since 1968)

What Makes AdelFi a Different Kind of Christian Credit Union

As a Christian credit union, AdelFi is member-owned and not-for-profit. That means we serve people, not shareholders. Explore the benefits of membership for individuals, ministries, and businesses.

Personal Membership for Everyday Life

Personal membership gives individuals and families access to competitive banking products and services for everyday needs and long-term goals. When you bank with AdelFi, you join a financial community rooted in Christian stewardship. Your deposits also help support the growth of churches and ministries through member-directed giving.

  • No monthly fees on checking accounts
  • Nationwide shared branches and ATMs
  • Competitive rates on savings and loans
  • Credit cards that give to Christian missions
  • $6.5M+ donated to missions and ministry projects
Become a Member

Ministry Membership for Churches and Organizations

Ministry membership gives churches, schools, and Christian organizations access to deposit accounts, lending, and financial services built for ministry operations. We have funded more than $1 billion in ministry real estate loans to help congregations grow and serve.

  • Dedicated ministry banking team
  • Church and ministry real estate lending
  • Financial planning support for long-term growth
  • Cash management and digital tools for day-to-day operations
Become a Member

Business Membership for Christian-Owned Organizations

Business membership gives Christian-owned businesses and nonprofits access to accounts, lending, and cash management tools designed to help you serve your community and grow with purpose.

  • Business checking and savings accounts
  • Commercial lending options
  • Nationwide CO-OP network access
Become a Member

FAQs

Who is AdelFi Christian Banking?

AdelFi Christian Banking is a member-owned and not-for-profit Christian credit union serving individuals, families, churches, and ministries across the United States. We offer checking, savings, loans, and credit cards guided by Christian values and biblical stewardship.

Who can become a member of AdelFi?

Membership is open to Christians from most denominations. Individuals, families, churches, ministries, and Christian-owned businesses can apply online from anywhere in the United States.

What happened to Christian Community Credit Union (CCCU)?

Christian Community Credit Union and AdelFi have merged. If you were a CCCU member at mycccu.com, your accounts and services are now part of AdelFi. You can log in and manage everything at adelfibanking.com using your existing credentials.

Is my money insured at AdelFi?

Yes, each account is covered $250,000 per deposit account (NOT per member) by American Share Insurance (ASI). Compared to FDIC, ASI insures each and every account of an individual member up to $250,000, with no limit to the number of accounts that can be insured. If you have 10 separate accounts with AdelFi, up to $2,500,000 of your deposits are covered! This equates to exceptional insurance compared to the big banks.

How does AdelFi support Christian missions?

Through our “Cards that Give to Missions” program, every purchase made with an AdelFi Christian Banking credit card generates a donation to Christian ministries and organizations. Since 1995, this program has contributed $6.5 million to missions work worldwide. Your deposits also help fund lending for churches, schools, and ministry facilities.

Start Banking with Your Values Today

Open a membership online and start banking with a Christian credit union
built around faith, stewardship, and practical service.
Become a Member

Terms & Conditions

*APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. Fees may reduce earnings.

**APR = Annual Percentage Rate Mortgage Loan rates and terms effective 05/20/2026 and are subject to change without notice.

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