Top Picks to Help You Save, Earn, & Give
Harvest High-Yield Checking
- High-yield interest rate on balances up to $5,000.a Qualifications apply.b
- No minimum balancea or monthly service fee
- A portion of every dollar spent using your Visa debit cardc goes to ministries & missions
Harvest High-Yield Savings
Plus, your money is put to work in financing church and ministries for growth and expansion.
- Variable-tiered rate,a thereafter.
- $100 minimum to open and no monthly feeb
- Must register & use Online/Mobile Banking
Cash Rewards Visa®
- 1.5% Cash Back on every purchasea
- Get $200 when you spend $750 in the first 3 monthsb
- 0% APR* Intro & Balance Transfer Rate for the first 6 monthsc
- No Annual Fee
c) After introductory 6 months, then a variable APR of 18.74% – 32.74% based upon your creditworthiness. 0% Balance Transfer APR for six months when balances are transferred during the first 60 days of account open date, then the variable APR of 18.74% – 32.74% based upon your creditworthiness.
Why AdelFi Christian Banking?
We were created to serve Christians seeking financial tools that align with their beliefs.
For more than 130 years combined, we’ve been dedicated to serving Christian individuals, families, churches, and ministries.
We’re unapologetically Christian
Not just in name but in the way we do business. Our Board and executive team follow sound principles rooted in scripture.
We’re member- driven
As a member, you’re also an owner in the Credit Union. As such, not only are we committed to providing you with God-honoring service, profits are returned to you in the form of better rates & fees.
We finance for Gospel Impact
When you bank with us, your money is used to finance church & ministry growth. In fact, we’ve funded over $1 billion in funded ministry loans.
We Give to Missions
Through our “Cards that Give to Missions” program, we’ve donated over $6.9 million to Christian charities that work to spread the Gospel.
We’re in your neighborhood
Get nationwide banking access through 30,000+ Surcharge-Free ATMs & over 5,600 Shared Branches through the Co-op Network.
Some of the Ministries We Support
Press Articles
Mike Poirier on faith, finances, and your well-being.
What if the way you handle your money reveals more about your heart than you realize? Money is something we all deal with—but it’s not something we always talk about openly. It can create stress, anxiety, conflict, and even pain in our relationships. But what if our finances could become more than a source of worry?
Interview with Mike Poirier, Chief Lending Officer at AdelFi Christian Banking
In this episode of Stacy on the Right, Mike Poirier, Chief Lending Officer at AdelFi Christian Banking, discusses who we are, what we do, and how our faith-driven mission guides the way we serve our members. He also explores topics such as inflation and interest rates and their impact on today’s financial landscape.
Gen Z is the Least Financially Literate Generation To Date. They’re Also About to Inherit Trillions
Gen Z is arguably the least financially literate generation to date, despite the fact that they have access to a somewhat dizzying array of possible financial gurus online. Many members of Gen Z report turning to online influencers for financial advice, learning as they go.
Terms & Conditions
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 10/22/2026 and are subject to change without notice. Fees may reduce earnings. (a) 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%. (b) Qualification criteria for higher APY: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated AdelFi Credit Union debit card associated to your Harvest Checking account or an AdelFi credit card AND 4) $500 in accumulated deposits during the month. Transfers must be external and cannot be from another AdelFi account. (c) 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.
2. Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 10/22/2026 and are subject to change without notice. (a) 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. Fees may reduce earnings. (b) $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.
3. Cash Rewards: * Interest Rates and Fees▸ (APR=Annual Percentage Rate)
Visa®/MasterCard Credit Card Agreement▸
Visa® Secured Credit Card Agreement▸
Eligibility to apply for the Cash Rewards Visa® is based on your affiliation with a qualifying Christian church, ministry, or school.
*APR=Annual Percentage Rate. Rates and terms effective 10/22/2026 and are subject to change without notice.
(a) 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
(b) To qualify for the $200 cash rewards bonus, a total of at least $750 in net purchases (purchases minus returns/credits) must post to your account within three months from the date your account is opened.
(c) 0% Introductory APR on purchases for 6 months, then a variable APR of 18.74% – 32.74% based upon your creditworthiness. 0% Balance Transfer APR for six months when balances are transferred during the first 60 days of account open date, then the variable APR of 18.74% – 32.74% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.