Welcome Certificate – 5 Months
3.70% APY*
Offered at a special high rate to help members earn more for the future.
- $500 minimum to open; $250,000 maximum
- New money only‡
Welcome Certificate – 10 Months
4.00% APY*
An excellent option for members looking for short-term investments with guaranteed returns.
- $500 minimum to open; $250,000 maximum
- New money only‡
Savings Goal Calculator
Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.
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Terms & Conditions
*APY= Annual Percentage Yield (APY). APYs are accurate as of 05/20/2026 and are subject to change without notice.
Welcome Certificate: At maturity, the certificate will renew into a 12-month Term Share Certificate at the prevailing rate. A penalty will be imposed on early withdrawals from this Certificate. IRA not available for Welcome Certificate.
$500 minimum; $250,000 maximum. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
‡New money is money that is not presently on deposit at AdelFi. Existing AdelFi Members: New money is defined as deposits posted to your AdelFi account within the past 30 days. The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money.