Fair and Easy-to-Use Digital Banking
AdelFi’s status as a not-for-profit member-owned collaborative allows us to offer banking and loans with clear and flexible terms and the personalized service you deserve. With our online banking and mobile app, you can easily manage your money with the latest digital resources. And you’ll do it with a financial institution aligned with your values.
| Big Banks | AdelFi | |
|---|---|---|
| Structure | Big Banks are for-profit entities primarily owned by large institutional investors that demand significant returns, often at the expense of their customers. Their board members are typically compensated through high salaries and large stock options. | AdelFi is a not-for-profit financial institution where every AdelFi member is an equal owner. AdelFi's board members are volunteers who commit their time and resources to serve the needs of AdelFi's Christian members, non-profits, ministries, and businesses. |
| Corporate Giving | Big Banks may support non-profits, but many of those non-profits do not support Christian values. Many even support political campaigns. Often the corporate philanthropic practices of these Big Banks prohibit giving to Christian organizations. | AdelFi only contributes to Christian organizations that support family values, education, church planting, spreading the Gospel, and providing food, water, and shelter to those in need. Many of the organizations that AdelFi supports do not qualify for government funding or Big Banks' corporate grants because their programs and services are Christian focused. |
| Investments | Big Banks invest in all business areas, even if they may compromise on biblical Christian values. For example, many Big Banks may directly or indirectly invest in industries such as cannabis, adult entertainment, alcohol, tobacco, or gambling. | AdelFi provides loans, investments, and banking services only to those that align with our Statement of Faith. We will never invest in anything that goes against Christian family values and biblical teachings. We support the concept of Recycling Christian Dollars, where profits generated are tithed back into the Christian community or reinvested back into the organization to lend to faith-aligned organizations and businesses. |
| Banking Practice | Big Banks may lend to borrowers with lower credit scores and limited means to pay in exchange for higher interest rates that generate large profits for them. | AdelFi is a biblically based Christian financial institution that practices responsible banking. We only provide loans to those with sufficient creditworthiness and the economic means to repay the loan(s). |
| Product Offering | Big Banks invest their customers’ deposits as a for-profit business, aiming for higher returns. They do this by lending to businesses that may not align with your values to make a profit from the interest payments. | AdelFi is an ethical organization that practices responsible banking. We provide low or no-fee fee checking and savings options that allow you to waive fees simply by opting out of paper statements. |
| Customer Service | Big Banks may outsource their customer service operations to large overseas call centers in return for higher savings and higher profits. | AdelFi's member service representatives are all based in the U.S. They offer personalized and courteous service you'd expect from fellow believers. |
| Branches and ATM Access | Big Banks may have high-priced branches, which are paid by the customers that bank with them in the form of higher fees. | AdelFi does not own or operate any branches. Instead, we work with other not-for-profit financial institutions, allowing our members to utilize any 5,600+ participating branches and 30,000+ surcharge-free CO-OP ATMs. |
| Insurance | Big Banks are federally insured by the FDIC up to $250,000 per customer, per account ownership category. | AdelFi is federally insured by the NCUA up to $250,000 per member, per account ownership category. |
Give Us a Try
At AdelFi, each and every member who joins helps make a daily positive impact on the world. Does your bank currently serve a higher purpose? By switching to a Christ-centered financial institution, it can. We ask that you switch from your Big Bank and join AdelFi, where you get better banking products and services while knowing that your money will demonstrate Christ’s love for the lost and needy. Switching is easy, secure, and convenient through our online application process.
Join TodayAdelFi is a financial institution for you, your family, your faith, and your future.
Savings
Competitive dividend rates allow you to earn more while supporting Christian causes.
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Giving
Supporting financial stewardship while giving back 10% of our profits to Christian-value-aligned organizations.
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