Rates & Fees
Browse the current rates and fees associated with our accounts.
Business & Non-Profit Certificate Rates
Term Length | Opening Balance | APY1 |
|---|---|---|
| Welcome Certificate: 5 months2 | $500 | 4.00%2 |
6 months | $0 $100,000 | 2.25% 2.45% |
| Welcome Certificate: 10 months2 | $500 | 3.75%2 |
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 11, 2025
1APY is Annual Percentage Yield. APY assumes that dividends remain on deposit for one year. Withdrawal of dividends and fees could reduce earnings.
2$500 minimum; $250,000 maximum. New money only*. Annual Percentage Yield assumes that dividends remain in the account until maturity. Welcome Certificate dividends are paid monthly. See published rates. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Certificate. At maturity, the Certificate will renew into a 12-month Term Certificate at the prevailing rate. A penalty will be imposed on early withdrawals from Certificates. IRA not available for Welcome 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, a Division of CCCU, or Christian Community Credit Union. Existing AdelFi or CCCU Members: New money is defined as deposits posted to your 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.
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.
