Your Money Works for You, Not for Shareholders
At AdelFi, members are owners. We are not driven by outside investors or profit targets. We are here to serve you.
Any earnings are returned to members through better rates, lower fees, and improved services. It is a straightforward approach that reflects a simple idea. Your money should be handled with care, used wisely, and aligned with what matters most to you.
Find the Right Product for You – Get Started Below!
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
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!
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- Up to $250,000 ($500 minimum to open)
- One Ministry Welcome Certificate per member
- New money only‡
Ministry Real Estate Loans
From buying a new property or refinancing your current loan, we can help finance your project.
As a leader in ministry lending, we understand the unique needs of various ministries including churches, Christian schools or colleges, and para-ministry organizations.
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- Ministry loans as low as 5.50%*
- Loans available for new purchase, construction, remodel, and refinance
- AdelFi has funded over $1 Billion in ministry real estate loans
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
Business Checking Accounts
This Checking Account earns interest!
Earn more for your business when you keep a $1,500 daily balance.
- Earns interest2 when daily balance is $1,500 or more
- No monthly service fee1 with Direct Deposit or $1,500 minimum daily balance
- Unlimited deposit & check writing
- Convenient deposit locations nationwide3
Faith-Based Banking Benefits Designed Around Your Life
Simple, practical accounts
Nationwide access
Digital tools that keep life moving
A credit card that gives back
Security you can trust
Competitive rates on savings and loans
$6.5 Million+
Donated to Missions & Ministry Projects
$1 Billion+
Funded Ministry & Church Loans
30,000+
Surcharge-Free ATMs + Over 5,600 Shared Branches nationwide
Every Account Supports Christian Ministry
When you bank with AdelFi, your money does more than support your own goals. Member deposits help fund lending and services that strengthen churches, Christian schools, and ministries serving communities around the world.
That impact is real and measurable. Through the “Cards that Give to Missions” program more than $6.5 million has been donated to Christian charities since 1995. AdelFi has also helped fund over $1 billion in ministry real estate loans, supporting churches, schools, and outreach efforts nationwide.
It is a practical way for everyday banking to be part of something meaningful, helping advance God’s work while meeting real financial needs.
New Member Special Offers
Earn 4.00% APY* on Harvest High-Yield Checking & bundle with a Harvest High-Yield Savings at 5.00% APY*
Up to 3.70% APY* Welcome Certificates
Cash Rewards Visa®
Get 1.5% Cash Back* on every purchase you make
Get 10% off of all Compass Financial Ministry’s resources. – Use Promo Code “AdelFi10”
Christians Banking With Purpose
AdelFi welcomes Christians of most denominations. Whether you are banking for your household or for a church or ministry, you can expect a steady experience, clear information, and service grounded in shared values.
Frequently Asked Questions
Membership is open to Christians most denominations, including individuals, families, churches, ministries, and Christian-owned businesses. You can apply online from anywhere in the United States.
Membership requires simply opening an account. There are no monthly membership fees
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.
Members have access to checking and savings accounts, home loans, personal and auto loans, credit cards, and digital banking tools. We also offer services for churches, ministries, and Christian-owned businesses.
Every purchase made with your AdelFi credit card generates a donation to Christian missions and ministries. Since 1995, this program has contributed over $6.5 million to missions work around the world. It is one of the simplest ways to make your everyday spending part of something bigger.
AdelFi is a member-owned Christian credit union. We are not-for-profit, so earnings go back to members through better rates and lower fees. Your deposits support ministry lending and Christian organizations, and your credit card purchases fund missions through our “Cards that Give to Missions” program.
Join the AdelFi Community Today
Take the next step and become part of a Christian credit union that serves you and supports Kingdom work that matters.
*Terms & Conditions
*APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice.
*APR=Annual Percentage Rate. Rates and terms effective 05/20/2026 and are subject to change without notice.
Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. Fees may reduce earnings. (1) 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%. (2) Qualification criteria for higher APY: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated AdelFi debit card or AdelFi credit card AND 4) $500 in accumulated deposits during the month. (3) 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 05/20/2026 and are subject to change without notice. (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. Fees may reduce earnings. (2) $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.
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 this Certificate. 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.
Cash Rewards: * Interest Rates and Fees▸ (APR=Annual Percentage Rate)
Visa®/MasterCard Credit Card Agreement▸
Visa® Secured Credit Card Agreement▸
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 05/20/2026 and are subject to change without notice.
(3) 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.