AdelFi Members Rates & Fees
Browse the current rates and fees associated for existing AdelFi members and accounts.
We’re growing together!
AdelFi and Christian Community Credit Union have officially merged. The following rates are for existing AdelFi Members.
As we unify our services throughout 2026, you may find all of CCCU's rates for new members, by clicking here.
AdelFi Member Deposit Account Rates
Account | APY1 |
|---|---|
Interest Checking✝ | 0.05% |
Savings | 0.10% |
Start Young Savings | 0.10% |
AdelFi Member Certificate Rates
Term Length | Opening Balance | APY1 |
|---|---|---|
6 months | $0 $100,000 | 2.25% 2.45% |
5 months✝✝ | $1,000 | 3.65% |
10 months✝✝✝ | $1,000 | 3.55% |
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% |
AdelFi Member 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% |
AdelFi Member Money Market Rates
| Min. Daily Balance✝ | APY1 |
|---|---|
| $1,000 | 1.00% |
| $50,000 | 1.10% |
| $100,000 | 1.20% |
| $200,000 | 1.30% |
AdelFi Member Personal Loan Rates
Term** | APR2 |
|---|---|
12-36 months | as low as 8.49% |
48 months | as low as 9.24% |
60 months | as low as 9.99% |
AdelFi Member New Auto Loan Rates
| Term | APR2 |
|---|---|
| 36-60 months | As low as 5.99% |
| 61-72 months | As low as 6.49% |
| 73-84 months | As low as 6.99% |
AdelFi Member Used/Refinanced Auto Loan Rates
| Term | APR2 |
|---|---|
| 36-60 months | As low as 6.99% |
| 61-72 months | As low as 7.49% |
| 73-84 months | As low as 7.99% |
Deposit Rates Effective: January 22, 2026
Personal Loan Rates Effective: February 27, 2023
Auto Loan Rates Effective: December 23, 2024
AdelFi, a Division of CCCU, finances loans nationwide, excluding Pennsylvania.
Above rate tables are for existing AdelFi, a Division of CCCU only. As we unify our services throughout 2026, you may find all of CCCU's rates for new members, by clicking here.
A $25,000 auto loan for 60 months with a 5.99% APR equates to an estimated monthly payment of $488.02. Actual payment will vary based on the total amount financed. An AdelFi, a Division of CCCU, deposit product and automatic loan payment are required for all AdelFi, a Division of CCCU, auto loans.
*We are no longer opening new rate bump certificates. May bump up rate once every twenty-four (24) months during term.
**A $10,000 personal loan for 36 months with an 8.49% APR, equates to an estimated monthly payment of $315.63.
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 3.585% resulting in an APY (Annual Percentage Yield) of 3.65%.
- 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 3.489% resulting in an APY (Annual Percentage Yield) of 3.55%.
- 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.
