Harvest Checking
- Earn 4.00% APY* high rate on balances up to $5,0001,2
- No minimum balance1
- No monthly service fee
- One Harvest Checking account per member
- A portion of every dollar spent using your Visa debit card3 goes to ministries & missions
To qualify for the high-yield rate, you must:
- Enroll in eStatements
- Register & use Online/Mobile Banking
- Have an active AdelFi Debit OR Credit Card
- Make $500 in monthly deposits
- Balances Up To: $5,000
- APY*: 4.00%
Bundle & Boost Earnings
Harvest Savings
- Earn 5.00% APY* high rate on balances up to $5,000. Variable-tiered rate, thereafter.1
- $100 minimum to open
- No monthly fee*
- Must register & use Online/Mobile Banking1
- One Harvest Savings account per member
Variable-Tiered Rate
Each tier will accrue interest at its respective rate.
| Tier | Interest Rate |
|---|---|
| $0-$5,000 | 5.00% APY |
| $5,000.01-$10,000 | 2.25% APY |
| $10,000.01+ | 0.10% APY |
Calculate earnings with our Harvest Savings Calculator!
High-Yield 4.00% APY* Rate
for balances up to $5,0001,2
Gives to Christian Charities
with Visa Debit Card signature-based purchases3
Over $6.9 given to date!
Explore Our Services
Digital Banking
You’re never too far from your money with our free digital banking apps that make life easier. Data carrier rates and fees may apply.
Direct Deposit
Get your money quicker. Simplify your budgeting. Avoid ATM lines. When you choose our Direct Deposit for your payroll, Social Security, or pension check, you get all of these benefits and more.
Be sure to sign up within Online Banking!
DoubleCheck
Receive alerts by text or email so you can rectify the situation before your transaction is declined.
*When using DoubleCheck, a $20 service charge applies and an additional 2.5% credit card transaction fee if a credit card is used.
Courtesy Pay
You can easily opt-in within Online/Mobile Banking when you’ve opened your account.
Need to Re-Order Checks
Harvest Savings Calculator
Discover how to reach your savings goal with the calculator below.
Terms & Conditions
*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.
- 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 a AdelFi credit card AND 4) $500 in accumulated deposits during the month. Transfers must be external and cannot be from another AdelFi account.
- 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.
*Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 06/09/2026 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. 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.