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Welcome to Christian Banking

Finally, a full-service digital bank that cares for your financial health and is committed to advancing the Gospel around the world!

Supercharge your savings and earn up to 3.70% APY* with our Welcome CDs or select another premium product below.

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Choose a Product that’s Right for You

Harvest High-Yield Checking

  • Earn an impressive 4.00% APY* high-interest rate on balances up to $5,000.1 Qualifications apply.2
  • No minimum balance3 or monthly service fee
  • A portion of every dollar spent using your Visa debit card4 goes to ministries & missions
Apply Now for Harvest Checking

Welcome Certificates

  • Earn 3.70% APY* for 5 Months; and
    4.00% APY* for 10 Months
  • $500 minimum to open; $250,000 maximum
  • New money only‡ 
Apply Now for Welcome Certificates

Cash Rewards Visa®

  • Get 1.5% Cash Back on every purchase1
  • Get $200 when you spend $750 in the first 3 months2
  • 0% APR* intro & balance transfer rate for the first 6 months3
  • No annual fee
  • Every swipe gives to Christian charities!
Apply Now Cash Rewards Visa

Why AdelFi Christian Banking?

We were created to serve Christians seeking financial tools that align with their beliefs.
For more than 130 years combined, we’ve been dedicated to serving Christian individuals, families, churches, and ministries.

We’re unapologetically Christian

Not just in name but in the way we do business. Our Board and executive team follow sound principles rooted in scripture.

We’re member- driven

As a member, you’re also an owner in the Credit Union. As such, not only are we committed to providing you with God-honoring service, profits are returned to you in the form of better rates & fees.

We finance for Gospel Impact

When you bank with us, your money is used to finance church & ministry growth. In fact, we’ve funded over $1 billion in funded ministry loans.

We Give to Missions

Through our “Cards that Give to Missions” program, we’ve donated over $6.9 million to Christian charities that work to spread the Gospel.

We’re in your neighborhood

Get nationwide banking access through 30,000+ Surcharge-Free ATMs & over 5,600 Shared Branches through the Co-op Network.

Some of the Ministries We Support

MAF Mission Aviation Fellowship
Camp Agape Logo
Christian Alliance for Orphans Logo
The River’s Edge Ranch. A place for Second Chances. Est. 2007
Samaritan’s Purse. International Relief
Water for Good Logo
Learn More about our Global Impact
  • “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
  • “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)
  • “When AdelFi was working with us, we found them to be so flexible, so responsive, and they met a deadline that no one said that they could meet. And, they prayed for us.”
    – JULIE SUPPLEE, CEO/PRESIDENT, HOUSE OF REFUGE, SUNNYSLOPE
Terms & Conditions

Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 07/29/2026 and are subject to change without notice. Fees may reduce earnings.
1.   No minimum balance required after required $100 opening deposit. Higher-yield APY will be paid on maximum balance of $5,000. Balances in excess of $5,000 will earn the lower dividend rate of 0.05%.
2. Qualification criteria for higher APY: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated AdelFi (AdelFi) debit card and a AdelFi credit card AND 4) $500 in accumulated deposits during the month.
3. Applies to Visa debit signature-based transactions.

Membership Eligibility is required. New and converted accounts will receive the higher APY for at least the first dividend cycle. After that, if you do not meet all of the qualification criteria, the account will earn the lower dividend rate 0.05%. Fees may reduce earnings. Limit: One Harvest Checking account per Member.

Welcome Certificate: *APY= Annual Percentage Yield (APY). APYs are accurate as of 07/29/2026 and are subject to change without notice.
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.

Cash Rewards: * Interest Rates and Fees▸  (APR=Annual Percentage Rate) 
Visa®/MasterCard Credit Card Agreement▸ 
Visa® Secured Credit Card Agreement▸ 
Eligibility to apply for the Cash Rewards Visa® is based on your affiliation with a qualifying Christian church, ministry, or school. 
*APR=Annual Percentage Rate. Rates and terms effective 07/29/2026 and are subject to change without notice. 
1) 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
2) To qualify for the $200 cash rewards bonus, a total of at least $750 in net purchases (purchases minus returns/credits) must post to your account within three months from the date your account is opened. 
3) 0% Introductory APR on purchases for 6 months, then a variable APR of 18.49%  – 32.49% based upon your creditworthiness. 0% Balance Transfer APR for six months when balances are transferred during the first 60 days of account open date, then the variable APR of 18.49%  – 32.49% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.