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Ministry Certificates

Savings that Help Ministries Thrive

A Certificate account is one-step up from traditional savings account so you can save and earn more to match your ministry’s unique financial goals! AdelFi Ministry Certificates offer a wide range of terms giving you freedom to choose the account that’s best for your organization.

Explore Ministry Certificates

Explore our Ministry Certificate Options 

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Ministry Welcome Certificate  
3.70% APY* – 5 Months
4.00% APY* – 10 Months

Jump start your ministry’s savings account.

Earn our highest yield on savings as our way of saying thank you for being part of our AdelFi family!

  • $500 minimum to open; $250,000 maximum 
  • New money only‡
Contact our Team to Apply Learn More about Ministry Welcome Certificates

Terms & conditions1

Ministry Term Share Certificates

Save more and earn more with more choices! Terms from six months to five years are available. 
  • $1,000 minimum to open 
  • Dividends are compounded daily and paid monthly 
  • Automatic renewal 
  • Choose to have interest compounded or automatically deposited to your checking or savings account 
Contact our Team to Apply Learn More about Ministry Term Share Certificates

Terms and conditions2

A Banking Partner with Kingdom Impact

When you put your money at the Credit Union, you help provide low-rate loans to individuals, churches, and ministries. Earn higher rates for a higher purpose while helping build churches, grow ministries, and advance God’s Kingdom. 

Savings Goal Calculator

Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.  

Calculate How Much You Can Save

Certificate FAQs

What types of Certificates do you offer?

We offer a variety of Certificate options:

Welcome Certificate – Our highest rate with terms that range from $500 to $250,000

Liquid Certificate – A penalty-free CD with terms from $2000 to $250,000

Step-it-Up Certificate – You can take advantage of a rate hike once per term. $500 minimum to open.

Term Share Certificates – With terms from six months to five years, you get to choose how much you’ll earn.

Can I add funds to my Certificate once opened?

Once your Certificate is opened, you cannot add funds until your Certificate matures. When your Certificate matures, you’ll have a 7-calendar day grace period — starting on your maturity date — to transfer funds or make other changes.

When are dividends posted to my Certificate account?  

Dividends are compounded daily and paid monthly.

What happens to my Certificate at maturity?

There is a 7-calendar day grace period starting on your maturity date to:  

  • Change the term  
  • Make additional deposits or withdraw funds  
  • Close the Certificate

After your 7-day grace period, your Certificate will automatically renew into the same term if you don’t make any changes. Exceptions are:  
Welcome Certificate and Liquid Certificate will renew into a 12-month Term Share Certificate at the prevailing rate  

Step-it-Up will renew into a 24-month Term Share Certificate at the prevailing rate.

Save Smart for the future of your Ministry!

Contact our Ministry Team to Open a Certificate
Terms & Conditions

*APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. 
1. Ministry Welcome Certificate: 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 the Certificates account. IRA not available for Welcome Certificate. $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. 
2. Ministry Term Share Certificates: 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.