Choose a Product that’s Right for You
Get up to a $400 Bonus!
Use Promo Code “FAITHFI”
Bonus Offer Ends 12/31/26
Harvest High-Yield Checking
Get $100
- 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
Use Promo Code “FAITHFI”
Harvest High-Yield Savings
Get $100
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
Use Promo Code “FAITHFI”
Cash Rewards Visa®
Get $200
- 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
Use Promo Code “FAITHFI”
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
*Special bonus offers will be deposited after 60 days for Harvest Checking and 30 days for Harvest Savings once approval of membership eligibility and bonus eligibility requirements have been met. Bonus offer available to U.S. residents who are new members and meet the product requirements. New members are those who have not been a member of AdelFi Credit Union in the last 24 months. Bonus is considered taxable income and the recipient may be responsible for any tax implications.
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 10/23/2026 and are subject to change without notice. Fees may reduce earnings. One-time $100 bonus is for new members who register for digital banking and enroll in eStatements.
To earn the advertised APY: (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%.
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. (b) To qualify for the one-time bonus, you must register for digital banking and enroll in eStatements. Bonus is for new members only. (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 10/23/2026 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. Active online banking required. Fees may reduce earnings. (b) To qualify for the one-time $100 bonus, the new savings account must have a balance of $5,000 or more 30 days from the date the account was opened. Bonus is for new members only. (c) $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)
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 10/23/2026 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.
(d) Cash Advance Fee is 3% of the amount transferred with a $15 minimum. No foreign transaction fee.
*High-Yield Money Market Account: 1APY = Annual Percentage Yield. APYs are accurate as of 10/23/2026 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 10/23/2026. 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 10/23/2026.
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.
