What Christian Credit Union Membership at AdelFi Includes

*APR = Annual Percentage Rate Mortgage Loan rates and terms effective 07/07/2026 and are subject to change without notice. Closing costs are associated with this loan. The loan offered by the Credit Union is an Adjustable Rate Mortgage. After the initial fixed rate period has expired, the applicable interest rate and monthly payments will be adjusted semi annual or every 6 months based upon movements of an interest rate index. Based on current market conditions, the fully indexed rate (once adjusted) is calculated by combining the margin and associated mortgage index. The APR is based on loan amounts up to $766,550.00. The loan may be refinanced at any time. Loan approval subject to credit, income and property appraisal. Points and other fees may be associated with this loan.
The Adjustable Rate Mortgage loan offered by the Credit Union is amortized over 15 or 30 years. The initial interest rate is fixed based on the adjustable-rate program chosen of the loan, and adjusts semi annual or every 6 months thereafter. After the initial fixed rate period, the interest rate charged will be based on an interest rate index (“index”) plus a margin, rounded to the nearest one-eighth of one percentage point (0.125%). The index is: The Secured Overnight Financing Rate (SOFR) as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the “Current Index.”
For new purchase loans, the maximum loan-to-value ratio is 97% (PMI required). For refinance loans with cash out, the maximum loan-to-value ratio is 90% (PMI required) based on appraised value. All rates apply to single family dwellings that are owner occupied.
A $25 one-time membership fee applies if you do not have a deposit account when you become a member of AdelFi by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit adelfibanking.com/deposit-account.

*APY= Annual Percentage Yield (APY). APYs are accurate as of 07/07/2026 and are subject to change without notice.
$500 minimum; $250,000 maximum. New money only. 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 Certificate. At maturity, the Certificate will renew into a 12-month Term Certificate at the prevailing rate. A penalty will be imposed on early withdrawals from Certificates. IRA not available for Welcome 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.

Business Visa^® Rewards Guide to Benefits ▸
Travel Accident Insurance ▸
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Credit Card Agreement ▸
‡ CURewards Points earned will be credited to your account each month, will accrue over five calendar years, and expire on a first-in-first-out basis annually. Points earned in calendar year one will expire as of the last day of calendar year five.
*APR=Annual Percentage Rate. Rates and terms effective 07/07/2026 and are subject to change without notice.
1) 1.5% cash back with CURewards. 1.5 CURewards points are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
2) To qualify for the $300 cash rewards bonus, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within three months from the date your account is opened.
3) 0% Introductory APR on purchases for 6 months, then a variable APR of 17.99% based upon your creditworthiness.
4) Balance Transfer fees waived.

Offer effective  07/07/2026 and is subject to change without notice.

1. No minimum balance required after $100 opening balance.
2. ATMs available through the CO-OP Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs.
3. One CURewards point for every $2 in signature-based purchases with the Visa Debit Card. If you do not qualify for a Visa Debit Card, you may receive an ATM Card. No CURewards points are earned using an ATM Card.

1. Business Interest Checking will incur a $15 monthly fee when the daily balance falls below $1,500 at any time during the month.
2. Business Interest Checking earns interest when the daily balance is $1,500 or more. This is a variable rate account, and the APY could change after the account is opened. For current APY, call 800.347.AdelFi (2228) or view our current rates.
3. ATMs available through the CO-OP ATM Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs.

*APR=Annual Percentage Rates effective 07/07/2026 and is subject to change without notice. This is a fixed-term, closed-end loan and reflects the 0.25% discount for members using automatic payment with their AdelFi Checking Account. Rates range from 8.99%–23.99% APR with automatic payments or 9.24%–24.24% APR without automatic payment for loan terms of 24 – 60 months. Tiered rate based on credit score. Not all borrowers will qualify for the lowest rate. Other conditions may apply. Monthly payment for $10,000: for 36 months at 8.99% APR (with autopay) would be $319.15; for 60 months at 10.99% APR would be $218.39. Estimated payments are for illustrative purposes only and assume you pay on time. Loan cannot be used to pay other existing AdelFi loan balances.

Personal Loan | Repayment Example. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.99%–23.99% APR. It works out to 24 monthly payments ranging from $1,375.54–$1,601.64 for a total amount of payments ranging from $33,012.96–$38,439.17. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. No origination and prepayment fees. A $25 one-time membership fee applies if you do not have a deposit account when you become a member of AdelFi by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval.