Christian Banking Is Open to All Believers
AdelFi membership is available to:
Individuals and families
Everyday banking built around your life, your goals, and your values. Checking accounts with no monthly fees, competitive savings rates, and credit cards that give to Christian missions.
Churches and ministries
Accounts, church and ministry lending, and financial services designed to support your mission and day-to-day operations. We have funded more than $1 billion in ministry real estate loans.
Christian-owned businesses and nonprofits
Financial tools to help you serve your community and grow with purpose, including business checking, lending, and cash management.
Find the Right Product for You
Get Started Below!
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
Top Picks to Help You Save, Earn, & Give
Harvest High-Yield Checking1
- Earn an impressive 4.00% APY* high rate on balances up to $5,000.a Qualifications apply.b
- No minimum balancea or monthly service fee
- A portion of every dollar spent using your Visa debit cardc goes to ministries & missions
Harvest High-Yield Savings
- Earn 5.00% APY* high-dividend rate on balances up to $5,000.a Variable-tiered rate, thereafter (see below).
- $100 minimum to open and no monthly feeb
- Immediate access to funds
- Must register & use Online/Mobile Banking
|
Tier |
Interest Rate |
|---|---|
|
$0-$5,000 |
5.00% APY* |
|
$5,000.01-$10,000 |
2.25% APY* |
|
$10,000.01+ |
0.10% APY* |
Cash Rewards Visa®
- Get 1.5% Cash Back on every purchasea
- Get $200 when you spend $750 in the first 3 monthsb
- 0% APR* intro & balance transfer rate for the first 6 monthsc
- No annual fee
- Every swipe gives to Christian charities!
c) After introductory 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.
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 $6.5 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
Trusted by Christian families, churches, & ministries—backed by 130+ years of combined experience.
Questions About Joining 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.
AdelFi is a member-owned Christian credit union. We are not-for-profit, so earnings go back to members through better rates and lower fees. Your deposits support ministry lending and Christian organizations, and your credit card purchases fund missions through our “Cards that Give to Missions” program.
No. AdelFi serves Christians across most denominations.
Membership requires simply opening an account. There are no monthly membership fees
You will need a valid government-issued ID, a Social Security number, and an initial deposit for your membership savings account. Full requirements are outlined in the online application.
Yes. You can manage everything through online and mobile banking, and access 5,000+ shared branches and 30,000+ surcharge-free ATMs nationwide.
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.
Members have access to checking and savings accounts, home loans, personal and auto loans, credit cards, and digital banking tools. We also offer services for churches, ministries, and Christian-owned businesses.
Every purchase made with your AdelFi credit card generates a donation to Christian missions and ministries. Since 1995, this program has contributed over $6.5 million to missions work around the world. It is one of the simplest ways to make your everyday spending part of something bigger.
Start Banking With Your Values Today
Start your membership application online. If you have questions, we are here to help.
Terms & Conditions
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. Fees may reduce earnings. (a) 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%. (b) 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 associated to your Harvest Checking account or AdelFi credit card AND 4) $500 in accumulated deposits during the month. Transfers must be external and cannot be from another AdelFi account. (c) 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.
2. Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. (a) 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. (b) $100 minimum to open. There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. One Harvest Savings account per member.
3. 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 05/20/2026 and are subject to change without notice.
(a) 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
(b) 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.
(c) 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.