Liquid Certificate
- 15 months
- $2,000 minimum; $250,000 maximum
- Penalty-FREE withdrawals1
- New money only2
Savings Goal Calculator
Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.
Compare Our Rates to the Big Banks!
-
Making the Rule of 72 Work for You
You’ve probably heard that putting your money into interest-bearing accounts can make it grow. But do you know how much it grows? And do you know how long it would…
-
It’s Never Too Late to Save and Invest!
Most investing advice out there seems to be geared towards people just starting their careers. But what if you’re in your 40s or 50s and have never saved for retirement?…
-
Why You Need to Save Now
You may think you’re doing pretty well financially. You keep up with your everyday bills without too much trouble. You have a credit card or two in case of emergency. So why…
Terms & Conditions
*Liquid Certificate: *APY= Annual Percentage Yield (APY). APYs are accurate as of 05/21/2026 and are subject to change without notice. $2,000 minimum; $250,000 maximum. New money only‡. APY assumes that dividends remain in the account until maturity. At maturity, the Certificate will renew into a 12-month, regular term share Certificate at the prevailing rate. Deposits cannot be a transfer from existing funds with AdelFi. Not available for IRA accounts.
A withdrawal will reduce earnings. 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.
1. No penalty for withdrawals of up to 50% of the start-of-day Certificate balance, minimum $500, if made after the Certificate has been opened for a minimum of seven days. Withdrawal amounts in excess of 50% in one day will be subject to a 90-day interest penalty, not to exceed interest earned to date. Withdrawal of any amount in the first six days of the Certificate being open will result in a penalty of seven days’ dividends.
2. 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.