Choose a Product that’s Right for You
Get up to a $400 Bonus!
Use Promo Code “GENESIS”
Bonus Offer Ends 7/31/26
Harvest High-Yield Checking
Get $100
- 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
Use Promo Code “GENESIS”
Harvest High-Yield Savings
Get $100
Plus, your money is put to work in financing church and ministries for growth and expansion.
- Variable-tiered rate,a thereafter.
- $100 minimum to open and no monthly feeb
- Must register & use Online/Mobile Banking
Use Promo Code “GENESIS”
Cash Rewards Visa®
Get $200
- 1.5% Cash Back on every purchasea
- Get $200 when you spend $750 in the first 3 monthsb
- 0% APR* Intro & Balance Transfer Rate for the first 6 monthsc
- No Annual Fee
Use Promo Code “GENESIS”
c) After introductory 6 months, then a variable APR of 18.49% – 32.49% based upon your creditworthiness. 0% Balance Transfer APR for six months when balances are transferred during the first 60 days of account open date, then the variable APR of 18.49% – 32.49% based upon your creditworthiness.
Find the right account for you.
Visa® Business Credit Card
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
Ministry Lines of Credit
Weather the seasonal cash flow ups and downs of ministry.
Our Ministry Line of Credit can help you with short-term capital needs or when there’s a dip in cash flow.
- Secured and unsecured loan options available
- Competitive variable rates
- Zero points
- Terms of up to 5 years if secured, annual if unsecured*
- No pre-payment penalties
Ministry Share Secured Loans
Looking for a flexible loan with zero points and fees for a short-term goal?
Our Share Secured Loans can be the answer when you borrow against your existing deposit funds at the Credit Union.
- Secured loan
- Zero points & No fees*
- Amortized up to 10 years*
- Amount Financed: 100% of Savings Accounts / 90% of Certificates*
- Continue to earn dividends on Savings/Certificate accounts during the term of the loan
- No pre-payment penalties
Ministry Term Loans
A faster alternative to real estate secured loans, our term loans can get you the funds you need for unexpected expenses and emergencies with no collateral required.
- Unecured loan
- Competitive rates
- Fast funding
- Amortized up to 10 years*
- Term up to 5 years*
- No pre-payment penalties
MyAdvantage Loan
A low-rate, fixed-term personal loan with zero fees, you can use to consolidate debt, make home repairs, pay medical bills, and more! As low as 8.99% APR*.
- Get pre-approved in less than 90 seconds with no impact to your credit score
- Loans from $2,500 up to $50,000
- Terms of up to 60 months
- Zero origination fees. Zero prepayment fees.
Ministry Welcome Certificates
3.70% APY* – 5 Months
4.00% APY* – 10 Months
Jump start your ministry’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 Ministry Welcome Certificate per member
- New money only‡
Why AdelFi Christian Banking?
We were created to serve Christians seeking financial tools that align with their beliefs. For more than 125 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
Survey suggests Christian customers know banking business matters
As big banks, such as JP Morgan Chase, close accounts of Christian organizations, more and more people are becoming frustrated, according to a survey conducted by a faith-based credit union.
Should Christians take their money out of banks that don’t share their values?
Credit union survey finds at least one-third are considering changes amid ‘de-banking’ trend.
As Debanking Increases, AdelFi Research Shows Christians are Choosing to Bank with Their Values
AdelFi (formerly known as Christian Community Credit Union) Research Initiative Shows Christians Find Conflict in Faith Values with Major Banks.
Is a Big Bank Exodus Coming?
Is it possible that Christians are now considering an exodus away from their familiar ‘big banks’ in order to better align with Christian values? Initial signs are saying yes.
Building a culture of generosity in your family?
Values such as unconditional love, honesty, and faith are certainly the cornerstones of a strong family unit. However, in today’s increasingly individualistic society, there is one value that yields lasting returns…
Terms & Conditions
*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 Credit Union in the last 24 months. Bonus is considered taxable income and the recipient may be responsible for any tax implications.
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 06/09/2026 and are subject to change without notice. Fees may reduce earnings. One-time $100 bonus is for new members who register for digital banking and enroll in eStatements.
To earn the advertised APY: (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%.
Qualification criteria for higher APY: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated AdelFi Credit Union debit card associated to your Harvest Checking account or an AdelFi credit card AND 4) $500 in accumulated deposits during the month. Transfers must be external and cannot be from another AdelFi account. (b) To qualify for the one-time bonus, you must register for digital banking and enroll in eStatements. Bonus is for new members only. (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 06/09/2026 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. Active online banking required. Fees may reduce earnings. (b) To qualify for the one-time $100 bonus, the new savings account must have a balance of $5,000 or more 30 days from the date the account was opened. Bonus is for new members only. (c) $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.
3. Cash Rewards: * Interest Rates and Fees▸ (APR=Annual Percentage Rate)
Eligibility to apply for the Cash Rewards Visa® is based on your affiliation with a qualifying Christian church, ministry, or school.
*APR=Annual Percentage Rate. Rates and terms effective 06/09/2026 and are subject to change without notice.
(a) 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
(b) To qualify for the $200 cash rewards bonus, a total of at least $750 in net purchases (purchases minus returns/credits) must post to your account within three months from the date your account is opened.
(c) 0% Introductory APR on purchases for 6 months, then a variable APR of 18.49% – 32.49% based upon your creditworthiness. 0% Balance Transfer APR for six months when balances are transferred during the first 60 days of account open date, then the variable APR of 18.49% – 32.49% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.
(d) Cash Advance Fee is 3% of the amount transferred with a $15 minimum. No foreign transaction fee.
4. Ministry Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 01/05/2026 and are subject to change without notice. Fees may reduce earnings. $100 minimum to open. There is a $5.00 monthly service fee if the balance falls below $100.00. One Ministry 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.