Find the right account for you.
Savings Account
- $100 minimum to open
- Immediate access to funds
- No monthly fee*
Business Welcome Certificates
3.70% APY* – 5 Months
4.00% APY* – 10 Months
Jump start your business’s savings account and earn our highest yield on savings as our way of saying thank you for being part of our AdelFi family!
- Up to $250,000 ($500 minimum to open)
- One Business Welcome Certificate per member
- New money only‡
Business Savings Account
Start earning interest to build for your business’ future and help advance God’s Kingdom.
Save more and earn more for your ministry.
- Earns higher rates than most savings accounts
- $100 minimum to open
- Unlimited withdrawals
- No monthly fee when daily balance remains $100 or above
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
Free Checking
Welcome to Totally Free Checking
We don’t have a minimum balance and we don’t charge monthly service fees. Plus, you can get to your account 24/7!
- $100 minimum to open
- No minimum balance1
- No monthly service fee
Gives to Missions Business Rewards
Pay with a Purpose and Earn Rewards
Every time you use the “Gives to Missions” Visa® Business Rewards credit card, you’re supporting Christian causes. A portion of every dollar spent is donated to missions and ministry projects. Over $6.9 million has been donated to date! Plus, earn CURewards points towards travel, merchandise, and more.
- Earn 1 CURewards Points* for every $1 spent1
- Get $300 when you spend $3,000 in the first 3 months2
- No annual fee
- Business Hotel Savings
- Corporate Liability Waiver
Top Picks to Help You Save, Earn, & Give
Harvest High-Yield Checking
- High-yield interest 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
- Variable-tiered ratea
- $100 minimum to open and no monthly feeb
- Must register & use Online/Mobile Banking
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
Press Articles
Mike Poirier on faith, finances, and your well-being.
What if the way you handle your money reveals more about your heart than you realize? Money is something we all deal with—but it’s not something we always talk about openly. It can create stress, anxiety, conflict, and even pain in our relationships. But what if our finances could become more than a source of worry?
Interview with Mike Poirier, Chief Lending Officer at AdelFi Christian Banking
In this episode of Stacy on the Right, Mike Poirier, Chief Lending Officer at AdelFi Christian Banking, discusses who we are, what we do, and how our faith-driven mission guides the way we serve our members. He also explores topics such as inflation and interest rates and their impact on today’s financial landscape.
Gen Z is the Least Financially Literate Generation To Date. They’re Also About to Inherit Trillions
Gen Z is arguably the least financially literate generation to date, despite the fact that they have access to a somewhat dizzying array of possible financial gurus online. Many members of Gen Z report turning to online influencers for financial advice, learning as they go.
Terms & Conditions
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 10/22/2026 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 10/22/2026 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.
*Special bonus offers will be deposited after 60 days for Harvest Checking and 30 days for Harvest Savings once approval of membership eligibility and bonus eligibility requirements have been met. Bonus offer available to U.S. residents who are new members and meet the product requirements. New members are those who have not been a member of AdelFi in the last 24 months. Bonus is considered taxable income and the recipient may be responsible for any tax implications.