Find the right account for you.
Ministry Term Loans
A faster alternative to real estate secured loans, our term loans can get you the funds you need for unexpected expenses and emergencies with no collateral required.
- Unecured loan
- Competitive rates
- Fast funding
- Amortized up to 10 years*
- Term up to 5 years*
- No pre-payment penalties
Ministry Welcome Certificates
3.70% APY* – 5 Months
4.00% APY* – 10 Months
Jump start your ministry’s savings account and earn our highest yield on savings as our way of saying thank you for being part of our AdelFi family!
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- Up to $250,000 ($500 minimum to open)
- One Ministry Welcome Certificate per member
- New money only‡
Ministry Real Estate Loans
From buying a new property or refinancing your current loan, we can help finance your project.
As a leader in ministry lending, we understand the unique needs of various ministries including churches, Christian schools or colleges, and para-ministry organizations.
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- Ministry loans as low as 5.50%*
- Loans available for new purchase, construction, remodel, and refinance
- AdelFi has funded over $1 Billion in ministry real estate loans
Ministry Lines of Credit
Weather the seasonal cash flow ups and downs of ministry.
Our Ministry Line of Credit can help you with short-term capital needs or when there’s a dip in cash flow.
- Secured and unsecured loan options available
- Competitive variable rates
- Zero points
- Terms of up to 5 years if secured, annual if unsecured*
- No pre-payment penalties
Ministry Share Secured Loans
Looking for a flexible loan with zero points and fees for a short-term goal?
Our Share Secured Loans can be the answer when you borrow against your existing deposit funds at the Credit Union.
- Secured loan
- Zero points & No fees*
- Amortized up to 10 years*
- Amount Financed: 100% of Savings Accounts / 90% of Certificates*
- Continue to earn dividends on Savings/Certificate accounts during the term of the loan
- No pre-payment penalties
Business Checking Accounts
This Checking Account earns interest!
Earn more for your business when you keep a $1,500 daily balance.
- Earns interest2 when daily balance is $1,500 or more
- No monthly service fee1 with Direct Deposit or $1,500 minimum daily balance
- Unlimited deposit & check writing
- Convenient deposit locations nationwide3
Featured Ministry Products & Programs
Ministry Welcome Certificate
3.70% APY* – 5 Months
4.00% APY* – 10 Months
Jump start your ministry’s savings account.
Offered at a special high rate to help members earn more for the future.
- $500 minimum to open; $250,000 maximum
- New money only‡
Visa® Business Rewards
Pay with a Purpose & Earn Rewards.
Designed for churches & ministries, every time you use the card for purchases, a portion is donated to Christian missions and charity organizations.
- Earn points redeemable for cash back, travel, & more
- No annual fee
- International transaction fees waived
Serving All Life Stages of Ministry
Your Financial Partner to Help you Grow & Serve More
AdelFi is a Christian financial institution founded on and driven by our faith. Supporting ministries is central to all we do. Our specialty is in serving all life stages of ministry. Small or large, we can guide and provide you with specialized banking and loan solutions and services that will help you grow, build, and serve your communities more fruitfully.
Church Planting
Pursuing God’s call to plant a new church?
AdelFi offers the products and services you need to get your church started in the right direction. Our banking solutions work for ministries of all sizes and our team of experts will work with you to help you start and lead a dynamic church.
- No-fee Ministry Checking with a $500 donation1 for church planters
- Online/Mobile Banking 2 and digital giving solutions with easyTithe™
- Visa Business Rewards with $1,000 Credit Limit Guaranteed3
Contact our Experts about AdelFi Ministry Products!
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*Terms and Conditions
*APY= Annual Percentage Yield (APY). APYs are accurate as of 05/21/2026 and are subject to change without notice.
$500 minimum; $250,000 maximum. New money only. 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 Certificate. At maturity, the Certificate will renew into a 12-month Term Certificate at the prevailing rate. A penalty will be imposed on early withdrawals from Certificates. IRA not available for Welcome 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.
1. Special Church Planting offer effective 05/21/2026 and is subject to change without notice. To receive $500 Donation Checking Donation: (1) Open your FIRST Ministry Checking Account with at least $100. (2) Sign up for eStatements within 60 days of account opening at myAdelFi.com/estatements. AND (3) Set up a qualifying Online Giving platform deposit, which must be received within 60 days of account opening. To confirm eStatement registration, call 800-921-1130 or contact us via Secure Support link within Cash Management. Donation cannot be used as opening deposit. Qualifications: Online Giving platform deposit needs to recur for a minimum of 60-days from the first electronic deposit and be for at least $200.00. Payments and non-related Online Giving transfers from another AdelFi account or other financial institution do not qualify as Online Giving platform deposits. Donation Payment: Donation will be deposited to your new Checking Account within 60 days after approval of membership eligibility and meeting Online Giving platform deposits and eStatement requirements. Donation available to U.S.-based ministries and organizations. Donation may be considered taxable income. Please consult a tax professional. Donation Limit: One Ministry Checking donation per ministry account. Cannot be combined with other promotions. Account Closing: If new Ministry Checking Account is closed within six months after account opening, the donation will be deducted from the closing balance.
2. Message and data rates apply.
3. A AdelFi Checking and Savings account must be opened for $1000 guaranteed credit limit.
4. Participation in the “Money for Missions” Donation Program requires opening a ministry Checking, Savings, or Money Market Account with AdelFi. To receive a $50 donation, individuals from the group must: 1) Join the Credit Union with a qualifying account: checking, savings with an opening deposit of at least $100, money market, certificate, home loan, line of credit, or credit card. 2) Ministry name or assigned group code must be on the approved membership application. Donation disbursed quarterly. Program available only in the U.S. and its territories.