Explore Our Certificate Account Options
AdelFi offers several certificate account options with terms ranging from 5 months to 5 years. Choose the structure that fits your goals, timeline, and level of flexibility.
Welcome Certificates
3.70% APY* – 5 Months
4.00% APY* – 10 Months
A strong introductory rate designed to help members earn more for the future.
- $500 minimum to open; $250,000 maximum
- New money only‡
Liquid Certificate
1.90% APY*
The great rate helps you grow your savings. And easy access means you’re never far from your cash!
- 15 months
- $2,000 minimum to open; $250,000 maximum
- Penalty-FREE withdrawals
- New money only‡
Step-It-Up Certificate
2.00% APY*
Our Step-It-Up Certificate allows you to increase your rate once during the term if rates rise.
- 30 months
- $500 minimum to open
Term Share Certificates
A traditional certificate with fixed terms and stable returns.
- Dividends are compounded daily and paid monthly
- Automatic renewal
- Choose to have interest compounded or automatically deposited to your checking or savings account
- $1,000 minimum to open
How Your Certificate Deposits Support Christian Ministries
When you open a certificate account with AdelFi, your savings do more than grow—they help advance Kingdom work. Your deposits support loans for churches, ministry facilities, and Christian organizations across the country, extending your impact far beyond your personal financial goals.
Simply put, through AdelFi, your savings help ministries grow, serve their communities, and expand their reach, making every dollar part of something greater.
See How Our Rates Compare to the Big Banks!
Savings Goal Calculator
Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.
CD FAQs
A certificate account is a savings account that earns a fixed interest rate for a set period of time, typically offering higher returns than a standard savings account.
AdelFi offers a range of certificate terms, including short- and long-term options, so you can choose what fits your financial goals.
Minimum deposit requirements vary by certificate type. Click HERE for current minimums listed on our rates page.
Early withdrawals may be subject to penalties depending on the account terms. Specific details are provided when you open your account.
Once your Certificate is opened, you cannot add funds until your Certificate matures. When your Certificate matures, you’ll have a 7-calendar day grace period — starting on your maturity date — to transfer funds or make other changes.
There is a 7-calendar day grace period starting on your maturity date to:
- Change the term
- Make additional deposits or withdraw funds
- Close the Certificate
After your 7-day grace period, your Certificate will automatically renew into the same term if you don’t make any changes. Exceptions are:
Welcome Certificate and Liquid Certificate will renew into a 12-month Term Share Certificate at the prevailing rate
Step-it-Up will renew into a 24-month Term Share Certificate at the prevailing rate.
A certificate account typically offers a higher fixed rate in exchange for keeping your funds on deposit for a set term, while savings accounts allow more frequent access to your money.
Terms & Conditions
*APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 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. 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.