Certificates
Grow your savings faster with a high-yield certificate
We’re growing together!
With the official merger of AdelFi and Christian Community Credit Union, we will begin transitioning new members to onboarding through the Christian Community Credit Union technology platform. This phased approach ensures a seamless and consistent onboarding experience as our services unify.
Focus On Increasing Your Savings Efficiently
If you're looking for an account that allows you to earn more than a traditional savings account while keeping your money safe and secure, a certificate account is a great option. Our certificates are available in a wide range of terms to match your savings needs without compromising your values. We invite you to learn more about the benefits a certificate account offers.
Rates as high as 4.00% APY1, ✝
Earn Dividends
6-60 Month Terms
Christian-Values Driven
To open a CCCU Certificate products click here.
Welcome 5-Month Certificate
For a limited time only, earn 3.70% APY1 with a new 5-Month Certificate✝. Offered at a special high rate to help members earn more for the future.
- $500 minimum to open; $250,000 maximum
- New Money Only‡
Welcome 10-Month Certificate
For a limited time only, earn 4.00% APY1 with a new 10-Month Certificate✝. An excellent option for members looking for short-term investments with guaranteed returns.
- $500 minimum to open; $250,000 maximum
- New Money Only‡
Dividend Rates Effective: April 27, 2026
1APY (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. The minimum deposit for certificates ranges from $500-$2,000.00. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal. All account dividend rates, agreements, terms, and conditions offered are subject to change without notice.
✝Product is CCCU's 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 this Certificate. 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 Christian Community Credit Union. Existing CCCU Members: New money is defined as deposits posted to your CCCU 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. The APY and dividend rates are variable and subject to change after the account is opened. Click here to learn more.
Complete Terms and Conditions for the 5-Month Certificate (“Promotional Offer”) for Existing AdelFi Members.
Promotional Offer Summary: A new or existing AdelFi member that opens a 5-month Certificate can earn 3.70% APY1 (“Promotional Rate”) if that member meets the terms and conditions as stated below.
Offer Period
This Promotional Offer is effective beginning March 12, 2026, and can end at the discretion of AdelFi at any time without prior notice.
Account Holder Requirements to receive the promotional rate:
You must:
i) Be at least 18 years old.
ii) Open a 5-month New Money Certificate with a minimum opening balance of $500.
iii) Agree to the terms and conditions of this Promotional Offer.
iv) NEW MONEY: Certificate must be funded from an external source or with funds that have been on deposit at AdelFi for two weeks or less from the product application date.
If the above terms are not met, you will be notified via e-mail, the certificate will be closed, and monies transferred back to its originating account by internal transfer (if available) or via check. Certificate closure penalties will apply. Please see page 5, Early Withdrawals section of the Personal Account Agreement and Disclosures for details.
Account Disclosures:
• The promotional rate is paid quarterly and at maturity at a dividend rate of 3.635% resulting in an APY1 (Annual Percentage Yield) of 3.70%.
• 5-month certificate will automatically convert to a standard 12-month certificate at maturity. The 12-month certificate rate at the time of maturity will apply.
• Refer to AdelFi’s Personal Account Information and Fee Schedule and the Personal Account Agreement and Disclosures for complete information regarding certificate accounts.
IRS Reporting
All dividends paid under this Promotional Offer may be subject to IRS reporting. Any applicable taxes are the responsibility of the recipient.
Additional Eligibility Restrictions
This Promotional Offer is for new and existing AdelFi members. AdelFi Executives, Board Members, Supervisory Committee and Deposit Pricing Committee are excluded from this offer.
Reservation of Rights
AdelFi, a Division of CCCU, reserves the right to withhold the fulfillment of the offer 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 monies to AdelFi). Funds leaving AdelFi and coming back for the sole purpose of taking advantage of this promotion is prohibited. External deposits and average balances will be reviewed to ensure integrity in this area. In the event of any conflict between these Terms and Conditions and any other material describing this Offer, these Terms and Conditions shall control.
1 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. The dividend rate on certificate accounts is fixed for a specific period of time, called a term. The dividend rate is based on the dividend rate in effect at the time you make the deposit. We compound dividends daily and will pay dividends quarterly on the last day of each quarter unless otherwise stated, and at maturity. The dividend period is also quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for the example is March 31. Upon your request, you may have your dividends paid monthly, annually, or at maturity. Withdrawal of dividends and fees may reduce earnings on this account.
