Explore More Loan Options for Every Season of Life!
Cash Rewards Visa®
- 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
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.
MyAdvantage Personal Loan
- See if you’re pre-approved in just 90 seconds
- Loans from $10,000 up to $50,000
- Terms of up to 60 months
- Zero origination fees. Zero prepayment fees.
Home Loans
- Fixed-Rate Mortgages
- Adjustable-Rate Mortgages
- 3% & 5% down payment options
Home Equity Loans
Special time-limited 3.99% APR* Intro Rate Offer!
- Low 3.99% APR* for the first 6 months. Variable rate, thereafter, of APR*.
- 10-year interest-only draw period followed by a repayment period of 20 yearsa
- Closing Costs Waived
- No Prepayment Penaltiesb
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
Press Articles
Survey suggests Christian customers know banking business matters
As big banks, such as JP Morgan Chase, close accounts of Christian organizations, more and more people are becoming frustrated, according to a survey conducted by a faith-based credit union.
Should Christians take their money out of banks that don’t share their values?
Credit union survey finds at least one-third are considering changes amid ‘de-banking’ trend.
As Debanking Increases, AdelFi Research Shows Christians are Choosing to Bank with Their Values
AdelFi (formerly known as Christian Community Credit Union) Research Initiative Shows Christians Find Conflict in Faith Values with Major Banks.
Is a Big Bank Exodus Coming?
Is it possible that Christians are now considering an exodus away from their familiar ‘big banks’ in order to better align with Christian values? Initial signs are saying yes.
Building a culture of generosity in your family?
Values such as unconditional love, honesty, and faith are certainly the cornerstones of a strong family unit. However, in today’s increasingly individualistic society, there is one value that yields lasting returns…
Terms & Conditions
1. Auto Loans: APR=Annual percentage rate. Rate and terms effective 05/22/2026 and are subject to change without notice. This is a fixed rate loan and reflects the 0.25% discount for new members OR for members using automatic payments from a AdelFi Checking Account (new members are those that joined AdelFi within the last six months). Monthly payment for $10,000 for 60 months: at 6.49% APR would be $196.10. Refinances for existing AdelFi loans will require a $2,500 cash out, if the vehicle has good value. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
Rate Increase to Base Rate
• Add 0.50% for every 5% above Base Loan-to-Value (LTV) limit; subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV)
• Add 0.50% if vehicle is over 100K miles
• Add 0.50% if model year is 10 years or older for credit score below 660
1. Applicants with a credit score of at least 780.
A $25 one-time membership fee applies if you do not have a deposit account when you become a member of AdelFi by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit myAdelFi.com/deposit-account.
2. 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 05/22/2026 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.
3. MyAdvantage Loan: APR=Annual Percentage Rates effective 05/22/2026 and is subject to change without notice.
This is a fixed-term, closed-end loan and reflects the 0.25% discount for members using automatic payment with their AdelFi Checking Account. Rates range from 8.99%–23.99% APR with automatic payments or 9.24%–24.24% APR without automatic payment for loan terms of 24 – 60 months. Tiered rate based on credit score. Not all borrowers will qualify for the lowest rate. Other conditions may apply. Monthly payment for $10,000: for 36 months at 8.99% APR (with autopay) would be $319.15; for 60 months at 10.99% APR would be $218.39. Estimated payments are for illustrative purposes only and assume you pay on time. Loan cannot be used to pay other existing AdelFi loan balances.
4. For Adjustable Rate Mortgages: 5/6 Adjustable Rate is a 30-year amortization. After the initial fixed rate period has expired, the applicable interest rate and monthly payments will be adjusted semi annual or every 6 months based upon movements of an interest rate index. The amount of the initial monthly payments is based on an interest rate which may be less than the sum of the current index plus margin. Based on current market conditions, the fully indexed rate (once adjusted) is calculated by combining the margin and associated mortgage index.
Monthly payment for $100,000 loan amount at 5.691% (current rate) for 30 years would be $575.66 principal and interest. The payment example does not include taxes and insurance and the actual payment will be higher.
New purchase money maximum loan-to-value (LTV) ratio is 97%. Private Mortgage Insurance (PMI) is required on loans over 80% LTV. For refinance loans with cash out, the maximum loan-to-value ratio is 90% (PMI required) based on appraised value.
A $25 one-time membership fee applies if you do not have a deposit account at AdelFi. Visit myAdelFi.com/deposit-account. Fee will be waived if you have a deposit account or you open one within 30 days of loan approval.
5. Home Equity Line of Credit (HELOC): *APR=Annual percentage rate. Rate and terms effective 05/22/2026 and are subject to change without notice. After that, a variable APR of 7.50%–9.50% applies, based on creditworthiness. a) Home Equity Line of Credit (HELOC): Variable rate based on The Wall Street Journal Prime Rate plus a margin determined by credit score and loan-to-value (LTV). A 0.25% discount applies when your first mortgage is with AdelFi. Rate adjusts monthly, with rates as low as 3.99% APR and up to 18.00% APR. Full appraisal required if CLTV exceeds 80% — at borrower’s expense and not covered by promotional offers. Typical appraisal costs range from $500 to $900, and recording fees generally range from $75 to $250 depending on county and state requirements. Applications with LTV above 80% are subject to Loan Committee approval. If an existing HELOC is already secured by the same property, the new HELOC must be processed as a refinance; the Credit Union will not assume a third lien position.
b) No prepayment penalties: however, an early closure fee equal to any waived closing costs applies if the credit line closes within 36 months. All titled property owners must be listed as borrowers on the HELOC application. Applications may be delayed if all owners do not apply together. Property insurance required. Transfer taxes may apply and are the borrower’s responsibility.
A $25 one-time membership fee applies if you do not have a deposit account when you become a member of AdelFi by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit myAdelFi.com/deposit-account.