Rates & Fees
Browse the current rates and fees associated with our accounts.
Business & Non-Profit Certificate Rates
Term Length | Opening Balance | APY1 |
|---|---|---|
6 months | $0 $100,000 | 2.25% 2.45% |
1 year | $0 $100,000 | 2.65% 2.85% |
2 Years | $0 $100,000 | 3.40% 3.60% |
5 years | $0 $100,000 | 2.40% 2.60% |
Business/Non-Profit Checking Account Rates
Account | Earnings Allowance Rate | APY1 |
|---|---|---|
Analyzed Checking | 0.20% | N/A |
Standard Checking | N/A | 0.05% |
Business/Non-Profit Savings Account Rates
Account | Minimum Daily Balance | APY1 |
|---|---|---|
| Harvest High-Yield Savings3 | $0-$5,000 $5,000+ $10,000+ | 5.00% 2.25% 0.10% |
Business/Non-Profit Money Market Account Rates
Account | Minimum Daily Balance | APY1 |
|---|---|---|
| Business Money Market | $0 $10,000 $25,000 $100,000 | 0.65% 0.75% 1.00% 1.25% |
Insured Money Market Reserve | $0 | 1.01% |
| Insured Money Market Reserve with Sweep | $0 | 1.01% |
Rates Effective: December 31, 2025
1APY is Annual Percentage Yield. APY assumes that dividends remain on deposit for one year. Withdrawal of dividends and fees could reduce earnings.
3Tiered -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+ 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 Harvest High-Yield Savings account per member. Dividends are paid monthly.
Please refer to AdelFi's Account Agreement and Disclosures and Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice. The fee schedule contains current and upcoming fee changes starting January 1, 2024.
