Savings Account Options at AdelFi
AdelFi offers multiple savings account options so you can choose the structure that fits your goals and your stage of life.
Savings Account
- $100 minimum to open
- No monthly fee when daily balance remains $100 or above
- Rate: 0.10% APY*
Harvest High-Yield Savings
- 5.00% APY* on balances up to $5,000; variable tiered-rate thereafter
- $100 minimum to open
- No monthly fee
Start Young Savings
- Earn 0.10% APY* dividend rate3
- $25 minimum to open
- Easy deposits and transfers to your child’s account
- No monthly maintenance fees or minimum balance
- Option to bundle with checking as they grow
Money Market Account
- Variable tiered-rate account
- $1,000 minimum to open ($100 for IRA)
- Immediate access to your funds
- No monthly fee when daily balance remains $1,000 or above
High-Yield Money Market Promotion
- 4.00% APY* on balances up to $100,000 for 12 months!5
- $1,000 minimum to open
- Six free withdrawals per monthly statement cycle
- No maintenance fees
Premium Money Market Account
- Variable tiered-rate account
- $10,000 minimum to open; $250,000 maximum
- Immediate access to your funds
- Check writing available
- No monthly fee when daily balance remains $10,000 or above
How Your Savings Support Christian Ministry
When you save with AdelFi, your deposits help fund loans for churches, Christian schools, and ministry organizations across the country.
This reflects a commitment to biblical stewardship, where financial resources are used intentionally to support Kingdom impact. Through AdelFi, member savings have helped fund more than $1 billion in ministry real estate projects that serve communities and support Christian outreach.
See How Our Rates Compare to the Big Banks!
Savings Goal Calculator
Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.
Questions About AdelFi Savings Accounts
Rates vary by account type and balance level. Click HERE for current rates.
A high-yield savings account offers a higher interest rate than a standard savings account, helping your savings grow faster over time.
Savings accounts offer steady growth with easy access, while money market accounts may offer higher rates with tiered balances and slightly different access features.
Yes. AdelFi offers youth and student savings accounts designed to help families teach saving habits early.
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.
Start Building Your Savings With Purpose
Build your savings with an account designed to help you grow your money and support Christian community impact.
Terms & Conditions
APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. Fees may reduce earnings.
1. Savings Account: $100 minimum to open. Variable rate account with easy access and maximum liquidity. There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18.
2. Harvest Savings: $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+ will earn the dividend rate of 0.10% APY.
3. Start Young Savings: APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. Fees may reduce earnings. APY (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. AdelFi dividends are compounded daily and paid monthly. The APY and dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY for Start Young Savings accounts.
4. Money Market Account: $1,000 minimum. 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.
5. High-Yield Money Market Promotion: 1APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. APY (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. AdelFi dividends are compounded daily and paid monthly. The APY and dividend rates are variable and subject to change after the account is opened.
This Promotional Offer is effective 05/20/2026, for all new and existing AdelFi Members and can end at the discretion of AdelFi at any time without prior notice.
The promotional rate is paid monthly at a dividend rate of 3.923% resulting in an APY (Annual Percentage Yield) of 4.00% on balances up to $100,000. Promotional rate and cap are subject to change. Promo account will automatically convert to standard Money Market Account after 12 months.
• Must be at least 18 years old
• Open a NEW High-Yield Money Market Account with a $1,000 opening deposit
• Funds deposited in the High Yield Money Market Account must be new money.✝
• Balances above $100,000 will earn the same dividend as AdelFi Savings Account of 0.10%.
• Limit ONE High-Yield Money Market Account per member
• There is a maximum limit of six (6) withdrawals per month. A fee of $6.00 per item more than six (6) withdrawals per month.
✝New money is money that is not presently on deposit at AdelFi. Existing 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 judgement as to whether or not the funds deposited are considered new money.
*Click HERE for Complete Terms and Conditions for the High-Yield Money Market Promotion
Promotional Offer Summary: A AdelFi member that opens a New Member Money Market Hi-Yield Account can earn 4.00% APY (“Promotional Rate”) on balances up to $100,000.00 (“cap”) for up to 12 months from account opening if that member meets the terms and conditions as stated below. Promotional rate, cap, and terms are subject to change.
- Offer Period. This Promotional Offer is effective beginning January 1, 2026, and can end at the discretion of AdelFi at any time without prior notice.
- Account Holder Requirements to receive the promotional rate: a) You must:
i) Be at least 18 years old
ii) Agree to the terms and conditions of this Promotional Offer
iii) Funds deposited in the New Money Market Hi-Yield Account must be new money. Minimum opening balance $1,000.00 required.
iv) Balances above $100,000 will earn the same dividend as AdelFi Savings Account of 0.10%.
v) Limit ONE New Money Market Hi-Yield Account per member.
Account Disclosures: Features and benefits of the New Money Market Hi-Yield Account are the same as the Money Market account except for the dividend rate and balance cap. For complete information on features, benefits, and current rates for the qualified account in this offer please see the product descriptions here: Money Market Accounts. Standard account rates and terms, including Money Market rates, are subject to change.
There is a maximum limit of six (6) withdrawals per month. A fee of $6.00 per item will be assessed for any withdrawals that exceed this monthly limit.
Refer to AdelFi Truth and Savings and Fee Schedule for account and fee information outside of this Promotional Offer. - Service Fee, Promotional Rate and Balance Cap – The New Money Market Hi-Yield Account does not have a monthly service fee. The promotional rate is paid monthly at a dividend rate of 3.923% resulting in a APY¹ of 4.00% on balances up to $100,000.00. Balances above $100,000 will earn the same dividend as a AdelFi Savings Account of 0.10%. Promotional rate, cap, and other terms are subject to change without notice.
- Payment of Dividends – AdelFi dividends are compounded daily and paid monthly. Withdrawal of dividends and fees may reduce earnings on this account.
- IRS Reporting – All dividends paid under this Promotional Offer may be subject to IRS reporting. Any applicable taxes are the responsibility of the recipient.
- Additional Eligibility Restrictions – This Promotional Offer is for new and existing AdelFi members.
- Reservation of Rights – AdelFi reserves the right to withhold the fulfillment of any dividends where the requirements were met fraudulently or obtained through the misuse of this offer or in a manner not in keeping with the terms and conditions or the spirit of the offer (promotional rate for new money to AdelFi). Money leaving AdelFi and coming back for the sole purpose of taking advantage of this promotion is prohibited. AdelFi will assess the integrity of new money by reviewing factors including but not limited to external deposits and average balances over time across AdelFi accounts, including accounts owned by joint owners of the New Money Market Hi-Yield Account owner’s other accounts. Accounts found to be in violation of the new money requirement or other terms and conditions will be converted to Money Market Accounts or closed. In the event of any conflict between these Terms and Conditions and any other material describing this Offer, these Terms and Conditions shall control.
¹ APY (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. AdelFi dividends are compounded daily and paid monthly. Withdrawal of dividends and fees may reduce earnings on this account. ²New 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 judgement as to whether or not the funds deposited are considered new money.
6. Premium Money Market Account (PMMA): $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. Fees may reduce earnings.