Checking
1. Harvest High-Yield Checking: Offer effective 10/15/2026 and is subject to change without notice.
• No minimum balance required after $100 opening balance.
• One CURewards point for every $2 in signature-based purchases with the Visa Debit Card. If you do not qualify for a Visa Debit Card, you may receive an ATM Card. No CURewards points are earned using an ATM Card.
• APY = Annual Percentage Yield. APYs are accurate as of 10/15/2026 and are subject to change without notice. Fees may reduce earnings. 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%.
• ATMs available through the CO-OP Network. A surcharge fee from the ATM owner may apply on non-CO-OP ATMs.
Qualification criteria for higher APY:
• You must register for e-statements.
• Have an active online banking.
• Have an activated AdelFi Credit Union debit card OR an AdelFi credit card AND
• $500 in accumulated deposits during the month.
2. Start Young Checking: AdelFi will not charge any additional domestic ATM fees, however non-CO-OP ATM fees may apply. For international transactions including POS (Point of Sale), ATM Withdrawal and OTC (Over the Counter), an international transaction fee of 3% will apply and some merchants may opt to charge withdrawal fees.
*Please refer to AdelFi Truth and Savings and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions offered are subject to change without notice.
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.
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.
Savings
APY = Annual Percentage Yield. APYs are accurate as of 10/15/2026 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 of $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 10/15/2026 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 10/15/2026 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 10/15/2026, 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 the funds deposited are considered new money.
Certificates
*APY = Annual Percentage Yield. APYs are accurate as of 10/15/2026 and are subject to change without notice.
1. Welcome Certificate: At maturity, the Certificate will renew into a 12-month term share Certificate at the prevailing rate. A penalty will be imposed on early withdrawals from the Certificates account. IRA not available for Welcome Certificate. $500 minimum; $250,000 maximum. New money only Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share Certificate. Rates, terms, and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
‡New 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 judgment as to whether or not the deposited funds are considered new money.
2. Liquid Certificate: $2,000 minimum; $250,000 maximum. New money only. APY assumes that dividends remain in the account until maturity. No penalty for withdrawals of up to 50% of the start-of-day Certificate balance, minimum $500, if made after the Certificate has been opened for a minimum of seven days. Withdrawal amounts in excess of 50% in one day will be subject to a 90-day interest penalty, not to exceed interest earned to date. Withdrawal of any amount in the first six days of the Certificate being open will result in a penalty of seven days’ dividends. At maturity, the Certificate will renew into a 12-month, regular term share Certificate at the prevailing rate. Deposits cannot be a transfer from existing funds with AdelFi. Not available for IRA accounts.
A withdrawal will reduce earnings. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
‡New 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 judgment as to whether or not the deposited funds are considered new money.
3. Step-it-Up Certificate: If the standard rate increases on a 30-month Certificate, you can STEP UP your rate once during the term. At maturity, the Certificate will renew into a 24-month term Share Certificate at the prevailing rate. $500 minimum. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
4. Term Share Certificates: Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.