Rates & Fees
Browse the current rates and fees associated with our accounts.
Deposit Account Rates
Account | APY1 |
|---|---|
Interest Checking✝ | 0.05% |
Savings | 0.10% |
Start Young Savings | 0.10% |
Certificate Rates
Term Length | Opening Balance | APY1 |
|---|---|---|
6 months | $0 $100,000 | 2.25% 2.45% |
5 months✝✝ | $1,000 | 4.00% |
10 months✝✝✝ | $1,000 | 3.75% |
1 year | $0 $100,000 | 2.65% 2.85% |
2 Years | $0 $100,000 | 3.40% 3.60% |
5 years | $0 $100,000 | 2.40% 2.60% |
Rate Bump Certificate Rates
Term Length | Opening Balance | APY1 |
|---|---|---|
24-Month Bump Certificate* | $1,000 $50,000 $100,000 | 3.30% 3.30% 3.50% |
48-Month Bump Certificate* | $1,000 $50,000 $100,000 | 2.30% 2.30% 2.50% |
Money Market Rates
| Min. Daily Balance✝ | APY1 |
|---|---|
| $1,000 | 1.00% |
| $50,000 | 1.10% |
| $100,000 | 1.20% |
| $200,000 | 1.30% |
We’re growing together!
AdelFi and Christian Community Credit Union have officially merged. As we unify our services throughout 2026, you may find the rates for Personal Loan and Auto Loan rates on the CCCU site.
Personal Loan Rates
Click here to view our Personal Loan Rates.
New/Used/Refinanced Auto Loan Rates
Click here to view our New/Used/Refinanced.
Deposit Rates Effective: December 10, 2025
*We are no longer opening new rate bump certificates. May bump up rate once every twenty-four (24) months during term.
1APY (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. For dividend-bearing checking and savings accounts, AdelFi pays dividends monthly on the last day of each month. Withdrawal of dividends and fees may reduce earnings on this account.
✝The minimum daily balance to earn dividends for the Interest Checking account is $100. The minimum daily balance to earn dividends on Money Market Savings is $1,000.
✝✝5-Month Certificate Special Disclosures:
This offer is effective beginning October 1, 2025 and can end at the discretion of AdelFi, a Division of CCCU, at any time without prior notice. Click here for complete terms and conditions.
Account Holder Requirements to receive the special dividend rate:
You must:
- Be at least 18 years old
- Open a 5-month Certificate with a minimum opening balance of $1,000
- Agree to the terms and conditions of this Promotional Offer by using the promotional code 5M2025 in the account application.
- New Money: Certificate must be funded from an external source or with funds that have been on deposit at AdelFi for two weeks or less from the product application date.
If the above terms are not met, you will be notified via e-mail, the certificate will be closed, and monies transferred back to its originating account by internal transfer (if available) or via check. Certificate closure penalties will apply. Please see page 5, Early Withdrawals section of the Personal Account Agreement and Disclosures for details.
Account Disclosures:
- The promotional rate is paid quarterly and at maturity at a dividend rate of 3.922% resulting in an APY (Annual Percentage Yield) of 4.00%.
- 5-month certificate will automatically convert to a standard 12-month certificate at maturity. The 12-month certificate rate at the time of maturity will apply.
- Refer to AdelFi’s Personal Account Information and Fee Schedule and the Personal Account Agreement and Disclosures for complete information regarding certificate accounts.
✝✝✝10-Month Certificate Special Disclosures:
This offer is effective beginning October 1, 2025 and can end at the discretion of AdelFi, a Division of CCCU, at any time without prior notice. Click here for complete terms and conditions.
Account Holder Requirements to receive the special dividend rate:
You must:
- Be at least 18 years old
- Open a 10-month New Money Certificate with a minimum opening balance of $1,000.
- Agree to the terms and conditions of this Promotional Offer by using the promotional code 10M2025 in the account application.
- New Money: Certificate must be funded from an external source or with funds that have been on deposit at AdelFi for two weeks or less from the product application date.
If the above terms are not met, you will be notified via e-mail, the certificate will be closed, and monies transferred back to its originating account by internal transfer (if available) or via check. Certificate closure penalties will apply. Please see page 5, Early Withdrawals section of the Personal Account Agreement and Disclosures for details.
Account Disclosures:
- The promotional rate is paid quarterly and at maturity at a dividend rate of 3.684% resulting in an APY (Annual Percentage Yield) of 3.75%.
- 10-month certificate will automatically convert to a standard 12-month certificate at maturity. The 12- month certificate rate at the time of maturity will apply.
- Refer to AdelFi’s Personal Account Information and Fee Schedule and the Personal Account Agreement and Disclosures for complete information regarding certificate accounts.
Please refer to AdelFi's Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice.
