Checking & Savings Accounts to Help You Thrive! 

Terms & Conditions:

APY = Annual Percentage Yield. APYs are accurate as of   11/06/2026 and are subject to change without notice. 

1. Free Checking & Student Free Checking: No minimum balance required after $100 opening balance. 

2. Harvest High-Yield Checking: Harvest Checking earns a dividend rate of 4.00% for balances up to $5,000. 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% paid on our Checking Plus product. Qualification criteria for higher APY: 1) Have an active online banking 2) Have an activated AdelFi debit card and a AdelFi credit card AND 3) $500 in accumulated deposits during the month.

3. Savings Account: $100 minimum to open. Variable rate account with easy access and maximum liquidity. Regulation D imposes a six transfer/withdrawal limit per month on savings and money market accounts, which includes the following types of transactions: (1) Pre-authorized or automatic withdrawal arrangement for a transfer to the member’s other account(s) at the credit union or to a third party; Telephone transfers; or Transfers initiated by personal computer to another account at the credit union or to a third party during a calendar month. Transfers to a third party if made by check. (2) Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals the member makes in person, through an ATM, by mail or by telephone (which results in the mailing of a check payable to the member). Transfers from a credit union account to the same credit union for the purposes of repaying a loan.  

There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. 

4. Harvest High-Yield Savings:
Fees may reduce earnings. $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. 1. 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.

5. Money Market Account: $1,000 minimum. Variable tiered rate account with easy access and maximum liquidity. Regulation D imposes a six transfer/withdrawal limit per month on savings and money market accounts, which includes the following types of transactions: 1) Pre-authorized or automatic withdrawal arrangement for a transfer to the member’s other account(s) at the credit union or to a third party; Telephone transfers; or Transfers initiated by personal computer to another account at the credit union or to a third party during a calendar month. Transfers to a third party if made by check. 2) Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals the member makes in person, through an ATM, by mail or by telephone (which results in the mailing of a check payable to the member). Transfers from a credit union account to the same credit union for the purposes of repaying a loan.  

There is a $10 monthly fee on all Money Market Accounts when the daily balance falls below $1,000 at any time during the month. 

6. Premium Money Market Account (PMMA):  Option 1: Eligible to transfer existing AdelFi shares into a PMMA when a Term Certificate is opened up with new money^ of an amount equal to the funds that were transferred from the existing AdelFi share account(s)  into the PMMA.  Additional deposits into the PMMA up to the $250,000 maximum must also be new money^.  Option 2:  Bring in new money^ to open a PMMA.  Additional deposits into the PMMA up to the $250,000.00 maximum must also be new money^.  ^New money is money that is not presently on deposit at AdelFi. The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money. 

Variable rate account with easy access and maximum liquidity. Regulation D imposes a six transfer/withdrawal limit per month, which includes the following types of transactions: 1) Pre-authorized or automatic withdrawal arrangement for a transfer to the member’s other account(s) at the credit union or to a third party; Telephone transfers; or Transfers initiated by personal computer to another account at the credit union or to a third party during a calendar month. Transfers to a third party if made by check. 2) Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals the member makes in person, through an ATM, by mail or by telephone (which results in the mailing of a check payable to the member). Transfers from a credit union account to the same credit union for the purposes of repaying a loan. 

There is a $15 monthly fee on Premium Money Market Account when the daily balance falls below $10,000 at any time during the month. 

7. Welcome CD: At maturity, the certificate will renew into a 12-month term share certificate at the prevailing rate. A penalty will be imposed on early withdrawals from certificate of depsoit. IRA not available for Welcome CD.  

*APY= Annual Percentage Yield (APY). APYs are accurate as of 01/10/2024 and are subject to change without notice. $500 minimum; $250,000 maximum.  Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share 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. Existing AdelFi Members:  New money is defined as deposits posted to your AdelFi 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.  

8. Term Share CDs: Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share 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.  

*High-Yield Money Market Account: ¹APY = Annual Percentage Yield. APYs are accurate as of 11/06/2026 and are subject to change without notice. A minimum opening deposit of $1,000 in new money and a minimum daily balance of $1,000 are required to earn the advertised APY.

Balances from $1,000 through $100,000 earn a dividend rate of 3.922%, resulting in an APY of 4.00%. Only the portion of a balance exceeding $100,000 earns the AdelFi Savings Account dividend rate, currently 0.10%, resulting in a blended APY for the total account balance. For balances over $100,000, the APY will range contingent on the account balance.

Dividend rates and APYs are variable and may change after the account is opened. Dividends are compounded daily and credited monthly. Fees may reduce earnings.

The High-Yield Money Market Account is available to new and existing AdelFi members who meet the following requirements:

• Must be at least 18 years old.
• Must open a new High-Yield Money Market Account with a minimum opening deposit of $1,000.
• Funds deposited into the account must be new money.†
• Limit one High-Yield Money Market Account per member.

AdelFi may discontinue offering the High-Yield Money Market Account to new applicants at any time. Discontinuing the account for new applicants will not automatically close or convert accounts previously opened under these terms.
^✝New money means money that is not presently on deposit at AdelFi Credit Union. For existing members, new money is defined as deposits posted to an AdelFi account within the preceding 30 days. AdelFi Credit Union will determine whether deposited funds satisfy the new-money requirement.

*Click HERE for Complete Terms and Conditions for the High-Yield Money Market Account

A new or existing AdelFi member who opens a new High-Yield Money Market Account and satisfies the requirements below can earn an APY of 4.00% on balances from $1,000 through $100,000. Only the portion of a balance exceeding $100,000 earns the AdelFi Savings Account dividend rate, currently 0.10%, resulting in a blended APY for the total account balance.

1. Account Availability: The High-Yield Money Market Account is available to new and existing AdelFi members beginning 11/06/2026. AdelFi may discontinue accepting applications for this account at any time. Discontinuing the account for new applicants will not automatically close or convert accounts previously opened under these terms.

2. Account Holder Requirements: To qualify for the High-Yield Money Market Account, the member must:

1. Be at least 18 years old;
2. Open a new High-Yield Money Market Account;
3. Make a minimum opening deposit of $1,000 in new money;
4. Agree to these terms and conditions; and
5. Maintain no more than one High-Yield Money Market Account per member.

3. New-Money Requirement: New money means money that is not presently on deposit at AdelFi Credit Union. For existing members, new money is defined as deposits posted to an AdelFi account within the preceding 30 days.
Money withdrawn from AdelFi and redeposited for the purpose of satisfying the new-money requirement does not qualify as new money. AdelFi may review external deposits, account balances, ownership relationships, and other relevant account activity when determining whether funds satisfy this requirement.

4. Dividend Rate, APY and Balance Tiers: APY means Annual Percentage Yield. APYs are accurate as of 11/06/2026.

A minimum daily balance of $1,000 is required to earn the advertised APY. Balances from $1,000 through $100,000 earn a dividend rate of 3.922%, resulting in an APY of 4.00%.

Only the portion of a balance exceeding $100,000 earns the AdelFi Savings Account dividend rate, currently 0.10%. Because different rates apply to portions of the account balance, balances over $100,000 earn a blended APY. The APY for balances over $100,000 will range from 0.10%–4.00%, depending on the total account balance.

Dividend rates and APYs are variable and may change after the account is opened.

5. Payment of Dividends: APY reflects the total amount of dividends paid on the account based on the dividend rate and frequency of compounding over a 365-day period. Dividends are compounded daily and credited monthly. Withdrawals and fees may reduce earnings.

6. Fees and Transaction Limitations: The High-Yield Money Market Account does not have a monthly maintenance fee.

Please refer to AdelFi’s Truth in Savings Disclosure and Fee Schedule for additional account and fee information.

7. Tax Reporting: AdelFi will report dividends as required by applicable tax law. Any taxes associated with dividends earned on the account are the responsibility of the member.

8. Failure to Satisfy Account Requirements: AdelFi reserves the right to determine whether the eligibility and new-money requirements have been satisfied. If AdelFi determines that an account was opened or funded through fraud, misuse of the account, or an attempt to circumvent the new-money requirement, AdelFi may restrict the account, close the account, or change the account type as permitted by the account agreement and applicable law.

9. Additional Account Disclosures: Except as specifically stated in these terms, the account is governed by AdelFi’s Membership and Account Agreement, Truth in Savings Disclosure, Rate Schedule, Fee Schedule, and other applicable account agreements.