Personal Rates
Opening an account? View our rates and disclosures below for our deposit and loan products. See how much you can save now!
View our Deposit and Loan Rates Below
- Deposit Rates
- Loan Rates
- Featured
- Harvest Checking
- Harvest Savings
- High-Yield Money Market
- Money Market*
- Premium Money Market*
- Welcome Certificate – 5 Months
- Welcome Certificate – 10 Months
- Term Share Certificate – $1,000*
- Term Share Certificate – $10,000*
- Term Share Certificate – $50,000*
- Term Share Certificate – $100,000*
Harvest Checking
- Balances Up To: $5,000
- APY*: 4.00%
Harvest Savings
- Minimum to Open: $100
- Maximum: $250,000
- Daily Balance: $0-$5,000
- APY*: 5.00%
High-Yield Money Market
- Balances Up To: $100,000
- Dividend Rate: 3.923%
- APY*: 4.00%
Premium Money Market*
- Minimum to Open: $10,000
- Maximum: No Limit
- Daily Balance: $100,000 & above
- APY*: 2.00%
Welcome Certificate – 10 Months
- Minimum to Open: $500
- Maximum: $250,000
- Term: 10 Months
- Rate: 3.92%
- APY*: 4.00%
- Balances Up To: $5,000
- APY*: 4.00%
*APY = Annual Percentage Yield. APYs are accurate as of 09/06/2026 and are subject to change without notice. Fees may reduce earnings.
- Harvest Checking earns a dividend rate of 4.00% for balances up to $5,000.
- 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 debit card OR a AdelFi credit card AND 4) $500 in accumulated deposits during the month.
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% paid on our Checking Plus product. Fees may reduce earnings. Limit: One Harvest Checking account per Member.
- Minimum to Open: $100
- Maximum: $250,000
- Daily Balance: $0-$5,000
- APY*: 5.00%
- Minimum to Open: $100
- Maximum: $250,000
- Daily Balance: $5,000.01-$10,000
- APY*: 2.25%
- Minimum to Open: $100
- Maximum: $250,000
- Daily Balance: $10,000.01 & above
- APY*: 0.10%
*APY = Annual Percentage Yield. APYs are accurate as of 09/06/2026 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 & above will earn the dividend rate of 0.10% APY.
- Balances Up To: $100,000
- Dividend Rate: 3.923%
- APY*: 4.00%
1APY = Annual Percentage Yield. APYs are accurate as of 09/06/2026 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.
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 09/06/2026. 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 09/06/2026.
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.
- Minimum to Open: $1,000
- Daily Balance: $0-$9,999.99
- APY*: 0.65%
- Minimum to Open: $1,000
- Daily Balance: $10,000-$24,999.99
- APY*: 0.75%
- Minimum to Open: $1,000
- Daily Balance: $25,000-$99,999.99
- APY*: 1.00%
- Minimum to Open: $1,000
- Daily Balance: $100,000 and over
- APY*: 1.25%
*APY = Annual Percentage Yield. APYs are accurate as of 09/06/2026 and are subject to change without notice. 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.
IRA available. Minimum to open for IRA is $100.
- Minimum to Open: $10,000
- Maximum: No Limit
- Daily Balance: $10,000-$24,999.99
- APY*: 0.80%
- Minimum to Open: $10,000
- Maximum: No Limit
- Daily Balance: $25,000-$49,999.99
- APY*: 1.05%
- Minimum to Open: $10,000
- Maximum: No Limit
- Daily Balance: $50,000-$99,999.99
- APY*: 1.30%
- Minimum to Open: $10,000
- Maximum: No Limit
- Daily Balance: $100,000 & above
- APY*: 2.00%
*APY = Annual Percentage Yield. APYs are accurate as of 09/06/2026 and are subject to change without notice.
$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.
- Minimum to Open: $500
- Maximum: $250,000
- Term: 5 Months
- Rate: 3.63%
- APY*: 3.70%
*APY= Annual Percentage Yield (APY). APYs are accurate as of 09/06/2026 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 Share 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 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.
- Minimum to Open: $500
- Maximum: $250,000
- Term: 10 Months
- Rate: 3.92%
- APY*: 4.00%
*APY= Annual Percentage Yield (APY). APYs are accurate as of 09/06/2026 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 Share 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 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.
- Minimum to Open: $1,000
- Term: 6-11 Months
- Rate: 2.23%
- APY*: 2.25%
- Minimum to Open: $1,000
- Term: 12-23 Months
- Rate: 2.62%
- APY*: 2.65%
- Minimum to Open: $1,000
- Term: 24-35 Months
- Rate: 3.34%
- APY*: 3.40%
- Minimum to Open: $1,000
- Term: 36-47 Months
- Rate: 3.34%
- APY*: 3.40%
- Minimum to Open: $1,000
- Term: 48-59 Months
- Rate: 3.34%
- APY*: 3.40%
- Minimum to Open: $1,000
- Term: 60 Months
- Rate: 3.34%
- APY*: 3.40%
*APY = Annual Percentage Yield. APYs are accurate as of 09/06/2026 and are subject to change without notice. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term 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.
- Minimum to Open: $10,000
- Term: 6-11 Months
- Rate: 2.32%
- APY*: 2.35%
- Minimum to Open: $10,000
- Term: 12-23 Months
- Rate: 2.71%
- APY*: 2.75%
- Minimum to Open: $10,000
- Term: 24-35 Months
- Rate: 3.44%
- APY*: 3.50%
- Minimum to Open: $10,000
- Term: 36-47 Months
- Rate: 3.44%
- APY*: 3.50%
- Minimum to Open: $10,000
- Term: 48-59 Months
- Rate: 3.44%
- APY*: 3.50%
- Minimum to Open: $10,000
- Term: 60 Months
- Rate: 3.44%
- APY*: 3.50%
*APY = Annual Percentage Yield. APYs are accurate as of 09/06/2026 and are subject to change without notice. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term 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.
- Minimum to Open: $50,000
- Term: 6-11 Months
- Rate: 2.37%
- APY*: 2.40%
- Minimum to Open: $50,000
- Term: 12-23 Months
- Rate: 2.76%
- APY*: 2.80%
- Minimum to Open: $50,000
- Term: 24-35 Months
- Rate: 3.49%
- APY*: 3.55%
- Minimum to Open: $50,000
- Term: 36-47 Months
- Rate: 3.49%
- APY*: 3.55%
- Minimum to Open: $50,000
- Term: 48-59 Months
- Rate: 3.49%
- APY*: 3.55%
- Minimum to Open: $50,000
- Term: 60 Months
- Rate: 3.49%
- APY*: 3.55%
*APY = Annual Percentage Yield. APYs are accurate as of 09/06/2026 and are subject to change without notice. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term 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.
- Minimum to Open: $100,000
- Term: 6-11 Months
- Rate: 2.42%
- APY*: 2.45%
- Minimum to Open: $100,000
- Term: 12-23 Months
- Rate: 2.81%
- APY*: 2.85%
- Minimum to Open: $100,000
- Term: 24-35 Months
- Rate: 3.54%
- APY*: 3.60%
- Minimum to Open: $100,000
- Term: 36-47 Months
- Rate: 3.54%
- APY*: 3.60%
- Minimum to Open: $100,000
- Term: 48-59 Months
- Rate: 3.54%
- APY*: 3.60%
- Minimum to Open: $100,000
- Term: 60 Months
- Rate: 3.54%
- APY*: 3.60%
*APY = Annual Percentage Yield. APYs are accurate as of 09/06/2026 and are subject to change without notice. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term 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.
- Featured
- Home Loans – Conforming
- Home Loans – Non Conforming
- Home Equity Line of Credit – Special 3.99% APR Intro Offer
- Auto Loans – New, Pre-Owned, Refinance
- Auto Loans – Lease Buy-Out, Cash Out
- Auto Loans – Private Party
- Consumer Credit Card + MyAdvantage Rate Ranges
- RV Loans
- MyAdvantage Loan
- Personal Credit Line
- Share Secured Loan
- Student Loans
- Personal Credit Cards
Home Loans – Non Conforming
- 5/6 ARM (30 Year)
- Rate: 6.875%
- APR* As Low As: 6.946%
Home Equity Line of Credit – Special 3.99% APR Intro Offer
- Minimum Loan Amount: $25,000
- Maximum Loan Amount: $500,000
- Maximum Loan-to-Value: 80%
- Variable APR* after intro rate: 7.50%–9.50%
- 6-month intro APR* : 3.99%
Auto Loans – New, Pre-Owned, Refinance
- APR* As Low As: 6.49%
MyAdvantage Loan
- APR* As Low As – Term of 24-36: 8.99%
Personal Credit Cards
- Visa® & Mastercard – Intro Rate for 12 months
- APR*: 0%
- 5/6 ARM (30 Year)
- Rate: 5.875%
- APR* As Low As: 5.942%
- 15-Year Fixed
- Rate: 5.875%
- APR* As Low As: 5.988%
- 30-Year Fixed
- Rate: 6.500%
- APR* As Low As: 6.570%
Click here for a complete list of rates►
*APR = Annual Percentage Rate Mortgage Loan rates and terms effective 09/06/2026 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 $806,500.00. 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.”
Payment Examples
5/6 ARM (30 Year): Monthly payment for $100,000 loan amount at 5.942% (current rate) would be $591.54 principal and interest.
15-Year Fixed: Monthly payment for $100,000 loan amount at 5.988% (current rate) would be $837.12 principal and interest.
30-Year Fixed: Monthly payment for $100,000 loan amount at 6.570% (current rate) would be $632.07 principal and interest.
The payment examples do not include taxes and insurance and the actual payment will be higher.
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.
- 5/6 ARM (30 Year)
- Rate: 6.875%
- APR* As Low As: 6.946%
- 15-Year Fixed
- Rate: 6.875%
- APR* As Low As: 6.991%
- 30-Year Fixed
- Rate: 7.500%
- APR* As Low As: 7.574%
Click here for a complete list of rates►
*APR = Annual Percentage Rate Mortgage Loan rates and terms effective 09/06/2026 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 $806,500.00. 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.”
Payment Examples
5/6 ARM (30 Year): Monthly payment for $100,000 loan amount at 5.942% (current rate) would be $656.93 principal and interest.
15-Year Fixed: Monthly payment for $100,000 loan amount at 5.988% (current rate) would be $891.85 principal and interest.
30-Year Fixed: Monthly payment for $100,000 loan amount at 6.570% (current rate) would be $699.21 principal and interest.
The payment examples do not include taxes and insurance and the actual payment will be higher.
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.
- Minimum Loan Amount: $25,000
- Maximum Loan Amount: $500,000
- Maximum Loan-to-Value: 80%
- Variable APR* after intro rate: 7.50%–9.50%
- 6-month intro APR* : 3.99%
* APR=Annual percentage rate. Rate and terms effective 09/06/2026 and are subject to change without notice. After that, a variable APR of 7.50%–9.50% applies, based on creditworthiness
1) Home Equity Line of Credit (HELOC): Variable rate based on The Wall Street Journal Prime Rate plus a margin determined by credit score and loan-to-value (LTV). A 0.25% discount applies when your first mortgage is with AdelFi. Rate adjusts monthly, with rates as low as 3.99% APR and up to 18.00% APR. Full appraisal required if CLTV exceeds 80% — at borrower’s expense and not covered by promotional offers. Typical appraisal costs range from $500 to $900, and recording fees generally range from $75 to $250 depending on county and state requirements. Applications with LTV above 80% are subject to Loan Committee approval. If an existing HELOC is already secured by the same property, the new HELOC must be processed as a refinance; the Credit Union will not assume a third lien position.
2) No prepayment penalties: however, an early closure fee equal to any waived closing costs applies if the credit line closes within 36 months. All titled property owners must be listed as borrowers on the HELOC application. Applications may be delayed if all owners do not apply together. Property insurance required. Transfer taxes may apply and are the borrower’s responsibility.
A $25 one-time membership fee applies if you are not currently a member; fee waived if you open a deposit account within 30 days of loan approval. Not available in Texas. Visit myAdelFi.com/deposit-account.
- New, Pre-Owned, Refinance
- APR* As Low As: 6.49%
*APR=Annual percentage rate. Rate and terms effective 09/06/2026 and are subject to change without notice. Rates as low as 6.49% APR. This is a fixed rate loan. 6.49% APR reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account (new members are those that joined AdelFi within the last six months). Monthly payment for $10,000 for 60 months at 6.49% APR would be $196.10. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
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 myAdelFi.com/deposit-account.
- Lease Buy-Out, Cash Out
- APR* As Low As: 6.99%
*APR=Annual percentage rate. Rate and terms effective 09/06/2026 and are subject to change without notice.
Rates as low as 6.99%. This is a fixed rate loan. 6.99% APR reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account (new members are those that joined AdelFi within the last six months). Monthly payment for $10,000 for 60 months at 6.99% APR would be $198.49. Refinances for existing AdelFi loans will require a $2,500 cash out, if the vehicle has good value. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
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 myAdelFi.com/deposit-account.
- Private Party
- APR* As Low As: 8.99%
*APR=Annual percentage rate. Rate and terms effective 09/06/2026 and are subject to change without notice. Rates as low as 8.99% APR. This is a fixed rate loan. 8.99% APR reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account (new members are those that joined AdelFi within the last six months). Monthly payment for $10,000 for 60 months at 8.99% APR would be $208.24. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
Rate Increase to Base Rate
• Add 0.50% for every 5% above Base Loan-to-Value (LTV) limit; subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV)
• Add 0.50% if vehicle is over 100K miles
• Add 0.50% if model year is 10 years or older for credit score below 660
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 myAdelFi.com/deposit-account.
- After 12-Months Intro – low range
- APR* : 14.49%
- After 12-Months Intro – high range
- APR* : 28.49%
- After 6 months intro – Cash Rewards – low range
- APR* : 18.49%
- After 6 months intro – Cash Rewards – high range
- APR* : 32.49%
- MyAdvantage – High Range with Automatic Payments %
- APR* : 23.99%
- MyAdvantage – No Auto Payments – Low Range & High Range %
- APR* : 9.24%
- APR* : 24.24%
*APR=Annual percentage rate. Rate and terms effective 09/06/2026 and are subject to change without notice. Rate as low as 8.99% APR for new recreational vehicle (RV) loans and 9.49% APR for pre-owned RV loans. Rates reflect the 0.25% discount for members using automatic payments from a AdelFi Checking Account. A processiong fee of $399 apllies. Up to 120% financing available. Terms up to 180 months for new and pre-owned. Monthly payment for $30,000 for 180 months at 8.99% APR would be $241.70; at 9.49% APR for 180 months would be $249.72. Rates are based on credit history and underwriting factors. Not all borrowers will qualify for the lowest rate.
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 myAdelFi.com/deposit-account.
- New RV
- APR* As Low As: 8.99%
- Pre-Owned RV
- APR* As Low As: 9.49%
*APR=Annual percentage rate. Rate and terms effective 09/06/2026 and are subject to change without notice. Rate as low as 8.99% APR for new recreational vehicle (RV) loans and 9.49% APR for pre-owned RV loans. Rates reflect the 0.25% discount for members using automatic payments from a AdelFi Checking Account. A processing fee of $399 applies. Up to 120% financing available. Terms up to 180 months for new and pre-owned. Monthly payment for $30,000 for 180 months at 8.99% APR would be $305.27; at 9.49% APR for 180 months would be $314.35. Rates are based on credit history and underwriting factors. Not all borrowers will qualify for the lowest rate.
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 myAdelFi.com/deposit-account.
- MyAdvantage Loan
- APR* As Low As – Term of 24-36: 8.99%
*APR = Annual Percentage Rate and terms effective 09/06/2026 and are subject to change without notice. Rates as low as 8.99%. Loans from $2,500 up to $50,000. Terms up to 60 months. Zero origination fees. Zero prepayment fees. This is a fixed term, closed-end loan and reflects the 0.25% discount for members using automatic payment with their AdelFi Checking Account. 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 would be $319.15; for 60 months at 10.99% APR would be $218.39. Loan cannot be used to pay other existing AdelFi loan balances.
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 myAdelFi.com/deposit-account.
- Personal Credit Line
- APR* As Low As: 11.75%
*APR = Annual Percentage Rate and terms effective 09/06/2026 and are subject to change without notice. Rates as low as 11.75%. This is an open-end line of credit with payments of 3.5% of the outstanding balance. Rates are variable and tied to The Wall Street Journal Prime Rate.
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 myAdelFi.com/deposit-account.
- Share Secured Loan
- APR* As Low As: 3.10%
*APR = Annual Percentage Rate and terms effective 09/06/2026 and are subject to change without notice. Rates as low as 3.10%. Share secured loan rate is variable and will be charged 3% above the share rate paid by AdelFi, rounded to the nearest 1/10 percentage point. Subject to change without notice. Fee will be waived if you have a deposit account or you open one within 30 days of loan approval.
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 myAdelFi.com/deposit-account.
- Variable Rate
- Loans up to: $60,000
- Term: 20-25 years
- APR* As Low As: 5.99%
- Fixed Rate
- Loans up to: $60,000
- Term: 10 years
- APR* As Low As: 6.00%
*APR=Annual percentage rate. Rate and terms effective 09/06/2026 and are subject to change without notice. All loans subject to an evaluation of each applicant’s credit by Credit Union Student Choice. Click here for rate disclosures.
- Visa® & Mastercard – Intro Rate for 12 months
- APR*: 0%
- Visa® & Mastercard – Balance Transfers – Intro Rate for 12 months
- APR*: 0%
- Visa® & Mastercard – Cash Advance
- APR*: 14.49%‡
- Cash Rewards Visa® – Purchases – Intro Rate for 6 months
- APR*: 0%
- Cash Rewards Visa® – Balance Transfer – Intro Rate for 6 months
- APR*: 0%
- Cash Rewards Visa® – Cash Advance
- APR*: 18.49%‡
* APR = Annual Percentage Rate is current as 09/06/2026 and is subject to change without notice.
Visa® & Mastercard Purchases: 0% introductory APR for purchases during the first 12 months. After that, 14.49% to 28.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Cash Rewards Visa® Purchases: 0% introductory APR for purchases during the first 6 months. After that, 18.49% to 32.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® & Mastercard Balance Transfer Rate: 0% introductory APR for 12 months when balances are transferred during the first 60 days of open date. After that, 14.49% to 28.49%. Your APR will vary with the market based on the Prime Rate.
Cash Rewards Visa® Balance Transfer Rate: 0% introductory APR for 6 months when balances are transferred during the first 60 days of open date. After that, 18.49% to 32.49%. Your APR will vary with the market based on the Prime Rate.
‡Visa® & Mastercard Cash Advance: 14.49% to 28.49%. This APR will vary with the market based on the Prime Rate.
‡Cash Rewards Visa® Cash Advance: 18.49% to 32.49%. This APR will vary with the market based on the Prime Rate.
For complete, click Interest Rates and Fees▸ (APR=Annual Percentage Rate)
*IRA available for these products. Please refer to rate card for rates, terms, and conditions.