AdelFi Christian Banking

AdelFi Christian Banking is a full-service, faith-based credit union formed by the union of Christian Community Credit Union and AdelFi. It offers personal and business banking solutions to individuals, families, churches, ministries, and Christian-owned businesses nationwide. The institution brings more than 130 years of combined experience and is rooted in Christian values to help members manage their money and make a Kingdom impact.

The Harvest Savings account offers a 5.00% APY on balances up to $5,000, with lower rates for higher balances. A minimum opening deposit of $100 is required, and there is a $5.00 monthly service fee if the balance falls below $100.00. These rates are accurate as of 11/13/2026 and are subject to change without notice.

AdelFi members have access to more than 5,600 Shared Branch locations and over 30,000 surcharge-free ATMs nationwide through the Co-op Network. If you are at a Co-op Shared Branch, new or original CCCU members should ask the representative to search for “AdelFi–Christian Community” to locate their account. Original AdelFi members before 1/1/26 should ask to search for “AdelFi Credit Union”.

Ministry services include loans for construction, renovation, expansion, and property acquisition with rates as low as 6.40% APR. Additionally, there are Ministry Savings and Money Market accounts offering 5.00% APY, and Ministry Certificates locking in a fixed rate of 4.00% APY. These products are designed to help ministries set aside reserves for building projects or operating needs.

Credit cards offer 1.5% cash back on everyday shopping to fuel Kingdom impact. Replacement credit cards are expected to ship late October, with activation beginning on November 9, 2026. Existing debit cards will continue to work without interruption, though some may be replaced early beginning October 1, 2026.

To qualify for the higher APY on Harvest Checking, members must have an active online banking account, an activated AdelFi debit or credit card, and $500 in accumulated deposits during the month. There is a limit of one Harvest Checking account per member, and a minimum opening deposit of $100 is required. New and converted accounts receive the higher APY for at least the first dividend cycle.

Each account is covered up to $250,000 by American Share Insurance (ASI) rather than FDIC. ASI insures each and every account of an individual member up to $250,000, with no limit to the number of accounts that can be insured. For example, having 10 separate accounts means up to $2,500,000 of deposits are covered.

AdelFi offers Ministry Digital Banking with secure, intuitive tools for payments, transfers, real-time alerts, and mobile deposit. They also provide Ministry Banking® Services including remote deposit, ACH, Bill Pay, and wires to simplify day-to-day operations. These tools are designed to help ministries operate efficiently and stay connected across devices.

The main office is located at 255 North Lone Hill Avenue, San Dimas, California, 91773. It operates Monday through Friday from 09:00 to 17:00. The office is closed on Saturdays and Sundays.

The Premium Money Market account requires a minimum opening balance of $10,000 with no upper limit. It offers a 2.00% APY for daily balances of $100,000 and above. This account is designed for members who want to build reserves or set aside tax funds for future growth.

Members can use Apple Pay, Google Pay, or Samsung Pay, all of which are protected under zero liability against fraudulent transactions. Physical cards are also accepted, and there are no fees associated with depositing checks via mobile check deposit or sending money using Zelle®.

AdelFi was formed through the merger of Christian Community Credit Union and AdelFi, combining their histories of serving believers for decades. Christian Community Credit Union has a legacy of over 70 years, while AdelFi served Christian families and ministries for more than 60 years. Together, they reflect a shared calling to help Christians manage finances in a way that honors their faith.

The Welcome Certificate offers a 10-month term with a rate of 3.922% APY, which is accurate as of 11/13/2026. A minimum opening deposit of $500 is required, with a maximum balance of $250,000. This product allows members to lock in a fixed rate for designated funds or planned expenses.

There are no fees associated with depositing checks via mobile check deposit. Additionally, there are no fees to send money using Zelle®. These features are part of the digital-first approach to help members manage their finances conveniently.

AdelFi offers auto loans with flexible terms and competitive rates for both new and used vehicles. The current rate is 6.49% APR. These loans are designed to help members purchase a vehicle while managing their financial obligations effectively.