Savings Account Options at AdelFi
AdelFi offers multiple savings account options so you can choose the structure that fits your goals and your stage of life.
Savings Account
- $100 minimum to open
- No monthly fee when daily balance remains $100 or above
- Rate: 0.10% APY*
Harvest High-Yield Savings
- 5.00% APY* on balances up to $5,000; variable tiered-rate thereafter
- $100 minimum to open
- No monthly fee
Start Young Savings
- Earn 0.10% APY* dividend rate3
- $25 minimum to open
- Easy deposits and transfers to your child’s account
- No monthly maintenance fees or minimum balance
- Option to bundle with checking as they grow
Money Market Account
- Variable tiered-rate account
- $1,000 minimum to open ($100 for IRA)
- Immediate access to your funds
- No monthly fee when daily balance remains $1,000 or above
High-Yield Money Market
- 4.00% APY* on balances up to $100,000!5
- $1,000 minimum to open
- Six free withdrawals per monthly statement cycle
- No maintenance fees
Premium Money Market Account
- Variable tiered-rate account
- $10,000 minimum to open; $250,000 maximum
- Immediate access to your funds
- Check writing available
- No monthly fee when daily balance remains $10,000 or above
How Your Savings Support Christian Ministry
When you save with AdelFi, your deposits help fund loans for churches, Christian schools, and ministry organizations across the country.
This reflects a commitment to biblical stewardship, where financial resources are used intentionally to support Kingdom impact. Through AdelFi, member savings have helped fund more than $1 billion in ministry real estate projects that serve communities and support Christian outreach.
See How Our Rates Compare to the Big Banks!
Savings Goal Calculator
Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.
Questions About AdelFi Savings Accounts
Rates vary by account type and balance level. Click HERE for current rates.
A high-yield savings account offers a higher interest rate than a standard savings account, helping your savings grow faster over time.
Savings accounts offer steady growth with easy access, while money market accounts may offer higher rates with tiered balances and slightly different access features.
Yes. AdelFi offers youth and student savings accounts designed to help families teach saving habits early.
Yes, each account is covered $250,000 per deposit account (NOT per member) by American Share Insurance (ASI). Compared to FDIC, ASI insures each and every account of an individual member up to $250,000, with no limit to the number of accounts that can be insured. If you have 10 separate accounts with AdelFi, up to $2,500,000 of your deposits are covered! This equates to exceptional insurance compared to the big banks.
Start Building Your Savings With Purpose
Build your savings with an account designed to help you grow your money and support Christian community impact.
Terms & Conditions
APY = Annual Percentage Yield. APYs are accurate as of 09/09/2026 and are subject to change without notice. Fees may reduce earnings.
1. Savings Account: $100 minimum to open. Variable rate account with easy access and maximum liquidity. There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18.
2. Harvest Savings: $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. 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.
3. Start Young Savings: APY = Annual Percentage Yield. APYs are accurate as of 09/09/2026 and are subject to change without notice. Fees may reduce earnings. APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. AdelFi dividends are compounded daily and paid monthly. The APY and dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY for Start Young Savings accounts.
4. Money Market Account: $1,000 minimum. Variable tiered rate account with easy access and maximum liquidity. 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.
5. High-Yield Money Market Account: 1APY = Annual Percentage Yield. APYs are accurate as of 09/09/2026 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 3.923%, 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.
• Six withdrawals are permitted each month without a withdrawal fee. A $6 fee will be assessed for each withdrawal exceeding six during the month.
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 09/09/2026. 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:
- Be at least 18 years old;
- Open a new High-Yield Money Market Account;
- Make a minimum opening deposit of $1,000 in new money;
- Agree to these terms and conditions; and
- 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 09/09/2026.
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 3.923%, 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.
Six withdrawals are permitted each month without a withdrawal fee. A $6 fee will be assessed for each withdrawal exceeding six during the month.
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.
6. Premium Money Market Account (PMMA): $10,000 minimum. IRA Available: Minimum to open for IRA is $10,000. Variable rate account with easy access and maximum liquidity. 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. Fees may reduce earnings.