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Frequently Asked Questions

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How is AdelFi different from a regular bank?

AdelFi is a member-owned Christian credit union. We are not-for-profit, so earnings go back to members through better rates and lower fees. Your deposits support ministry lending and Christian organizations, and your credit card purchases fund missions through our “Cards that Give to Missions” program.

How is AdelFi different from a traditional bank?

AdelFi is a member-owned Christian credit union, not a for-profit financial institution. We are not driven by shareholder returns. Earnings go back to members through better rates, lower fees, and improved services. Your deposits also support ministry lending and Christian organizations that work to spread the Gospel.

How is the application process and are there specific requirements in the application?

When you click on “Apply Now” from this landing page, you will be directed to a “Special Accounts” pop-up that will prompt you to:

  1. Click on the “+” sign to add yourself as an applicant
  2. Checkmark the box next to: “This is my role” and complete the form with your name and last name. You will also have the opportunity to add a “Joint Applicant”
  3. Once the information is complete on the pop-up, you can click “Continue” and you will be directed to complete the application.
  4. To ensure donated funds from the Kingdom Builder Savings account go back into your church/ministry, make sure to use the Promo Code listed on the landing page in the application.

If you have any questions, do not hesitate to call us at 1.800.347.AdelFi (2228) or email info@cccu.com.

How long can I view information about my submitted deposits?

You are able to view information about a submitted deposit for 24 months. If you need access to the deposit after 24 months, please call 800.347.AdelFi (2228) Monday through Friday, 8:00am – 5:00pm for assistance.

How long do I have to review an exception and make a payment decision?

Exceptions should be reviewed by 10:00 a.m. (PT), 1:00 p.m. (ET).

How long does a church need to exist before we can qualify for a loan?

We usually look for a minimum of 5 years of existence before lending to a new ministry. Exceptions are possible if the ministry:

  • Started as a fully functional church plant from another church
  • Meets the minimum documentation requirements (3 full years of financial documents)

How long does a Zelle® transfer take?


Many payments are delivered within minutes when the recipient is already enrolled with Zelle®.

How long does it take for the money to transfer between my account and another financial institution?

Transfers submitted by 2:00 PM PST will be processed the same day and will post the next banking day.

How long does it take to get approved?

Many applications receive a decision quickly after submission, though timing may vary depending on documentation requirements.

How long does the ministry loan process take?

The timeline depends on the complexity of the project, required documentation, and property details.

How long is the history of past deposits viewable in Premier Cash Management?

Approved deposits will show in your history for 18 months. Deleted deposits will show for 6 months.

How long should I retain the original checks?

AdelFi requires you to retain the original checks for a minimum of 90 days. Once you’ve determined that the checks have been processed, the amount of time that you retain the originals should be determined by you and your legal counsel.