Harvest Savings
- Earn 5.00% APY* high rate on balances up to $5,000. Variable-tiered rate, thereafter.1
- $100 minimum to open
- No monthly fee*
- Must register & use Online/Mobile Banking1
- One Harvest Savings account per member
Variable-Tiered Rate
Each tier will accrue interest at its respective rate.
| Tier | Interest Rate |
|---|---|
| $0-$5,000 | 5.00% APY |
| $5,000.01-$10,000 | 2.25% APY |
| $10,000.01+ | 0.10% APY |
Calculate earnings with our Harvest Savings Calculator!
Bundle & Boost Earnings
Harvest Checking
- Earn 4.00% APY* high rate on balances up to $5,0001,2
- No minimum balance1
- No monthly service fee
- One Harvest Checking account per member
- A portion of every dollar spent using your Visa debit card3 goes to ministries & missions
To qualify for the high-yield rate, you must:
- Enroll in eStatements
- Register & use Online/Mobile Banking
- Have an active AdelFi Debit OR Credit Card
- Make $500 in monthly deposits
- Balances Up To: $5,000
- APY*: 4.00%
Reasons to Save
Emergency Fund
College Planning
Buying a Car
Vacation
Compare Our Rates to the Big Banks!
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Harvest Savings Calculator
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Terms & Conditions
*Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 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.
1. 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 over $10,000.01 will earn the dividend rate of 0.10% APY. Active online banking required.
**Harvest Checking: APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. Fees may reduce earnings.
2. 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%.
3. Qualification criteria for higher APY: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated AdelFi (AdelFi) debit card associated to your Harvest Checking account OR a AdelFi credit card AND 4) $500 in accumulated deposits during the month. Transfers must be external and cannot be from another AdelFi account.
4. Applies to Visa debit signature-based transactions.
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%. Fees may reduce earnings. Limit: One Harvest Checking account per Member.