High-Yield Money Market Account
- 4.00% APY* promotional rate for balances up to $100,000
- $1,000 minimum to open
- Six free withdrawals per monthly statement cycle
- No monthly maintenance fees
- New money only✝
- Balances Up To: $100,000
- Dividend Rate: 3.923%
- APY*: 4.00%
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.
Money Market FAQs
Besides earning a higher market rate than a savings account, money market accounts allow you to write checks and access funds through ATMs or electronic transfers.
Yes! Money Market accounts do not have time limits or terms. You can withdraw and deposit money from your account at any time.
You earn a higher rate than a traditional savings account. It’s also different from a Certificate of Deposit because you have the freedom to deposit or withdraw money without any penalties imposed.
Terms & Conditions
*High-Yield Money Market Account: 1APY = Annual Percentage Yield. APYs are accurate as of 09/05/2026 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.
*Click HERE for Complete Terms and Conditions for the High-Yield Money Market Account
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 09/05/2026. 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 09/05/2026.
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.