Compare Ministry Savings Options
Ministry Harvest High-Yield Savings
Boost your ministry’s earnings with this variable tiered rate while you help fuel the growth of churches and organizations that work to spread the Gospel with every deposit you make.
- Earn 5.00% APY* high-interest rate on balances up to $5,000.
- $100 minimum to open
- No monthly fee
Ministry Money Market Account
- Variable tiered-rate account
- $1,000 minimum to open
- Immediate access to your funds
- No monthly fee when daily balance remains $1,000 or above
| Features | Ministry Harvest High-Yield Savings | Ministry Money Market |
|---|---|---|
| Right for you if... | You need immediate access to funds. | You need flexible access to funds. |
| Earns Dividends | Earn 5.00% APY* on balances up to $5,000 | Earn up to 1.25% APY* (tiered) |
| NO Monthly Service Fees |  | No monthly fee when balance remains above $1,000. |
| Minimum Opening Balance Required1 | $100 minimum | $1,000 minimum |
| Earns Rewards2 and Gives to Missions | | |
| Free Mobile, Tablet, and Online Banking | | |
| 30,000+ Co-op ATMs & Over 5,600 Co-op Shared Branches nationwide4 | | |
| Get Started Today | Get Started Today |
Savings Goal Calculator
Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.
How Ministry Deposits Make an Impact
When churches and Christian organizations save with AdelFi, their deposits help support ministry growth across the country. AdelFi has funded more than $1 billion in ministry real estate loans, helping churches build facilities, expand outreach, and serve their communities.
For many ministries, banking becomes an act of biblical stewardship. Savings held with our credit union contributes to Kingdom impact by helping provide financing for other churches and ministries that are growing and serving their communities.
Ministry Savings FAQs
Click Fee Schedule to find out about our fees.
AdelFi offers several savings options, including standard savings accounts, Harvest High-Yield Savings, Money Market, and Certificate accounts.
The Harvest Savings account is offered at a high rate of 5.00% APY*. For current ministry rates, please visit https://www.adelfibanking.com/ministry/ministry-rates/
Minimum opening deposits and balance requirements vary depending on the account type.
Yes. Money Market accounts offer tiered interest rates and provide higher returns depending on account balance.
AdelFi has many solutions to make deposits for your ministry. Learn more about making Ministry Deposit Account deposits.
AdelFi has many options for accessing funds. Learn more about accessing ministry funds.
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.
Terms & Conditions
APY = Annual Percentage Yield. APYs are accurate as of 05/28/2026 and are subject to change without notice.
1. Ministry Harvest Savings: Tiered -based savings account. 5.00% APY will be paid on balances up to $5,000. Balances between $5,000.01-$10,000 will earn the lower dividend rate of 2.25% APY. Balances $10,000.01+ will earn the dividend rate of 0.10% APY.. Fees may reduce earnings. $100 minimum to open. There is a $5.00 monthly service fee if the balance falls below $100.00. One Ministry Harvest Savings account per member.
2. Ministry Money Market Account: $1,000 minimum. Variable tiered rate account with easy access and maximum liquidity.
There is a $10 monthly fee on all Money Market Accounts when the daily balance falls below $1,000 at any time during the month.