Deposit Account Rates
Account | APY1 |
|---|---|
Interest Checking✝ | 0.15% |
Savings | 0.35% |
Start Young Savings | 0.35% |
Certificate Rates
Term Length | Opening Balance | Dividend | APY1 |
|---|---|---|---|
6 months | $0 $100,000 | 3.75% 3.80% | 3.82% 3.87% |
7 months✝✝ | $1,000 | 4.45% | 4.55% |
1 year | $0 $100,000 | 3.95% 4.00% | 4.03% 4.08% |
2 Years | $0 $100,000 | 3.75% 4.00% | 3.82% 4.08% |
5 years | $0 $100,000 | 3.50% 3.55% | 3.56% 3.61% |
Rate Bump Certificate Rates
Term Length | Opening Balance | Dividend | APY1 |
|---|---|---|---|
24-Month Bump Certificate* | $0 $50,000 $100,000 | 3.65% 3.65% 3.70% | 3.72% 3.72% 3.77% |
48-Month Bump Certificate* | $0 $50,000 $100,000 | 3.35% 3.35% 3.40% | 3.41% 3.41% 3.46% |
Money Market Rates
| Min. Daily Balance✝ | APY1 |
|---|---|
| $1,000 | 1.26% |
| $25,000 | 1.41% |
| $50,000 | 1.51% |
Personal Loan Rates
Term** | APR2 |
|---|---|
12-36 months | as low as 8.49% |
48 months | as low as 9.24% |
60 months | as low as 9.99% |
New Auto Loan Rates
| Term | APR2 |
|---|---|
| 36-60 months | As low as 5.95% |
| 61-72 months | As low as 6.35% |
| 73-84 months | As low as 7.15% |
Used/Refinanced Auto Loan Rates
| Term | APR2 |
|---|---|
| 36-60 months | As low as 6.45% |
| 61-72 months | As low as 6.85% |
| 73-84 months | As low as 7.65% |
Deposit Rates Effective: November 20, 2024
Personal Loan Rates Effective: February 27, 2023
Auto Loan Rates Effective: April 11, 2023
AdelFi finances loans nationwide, excluding Pennsylvania.
A $25,000 auto loan for 60 months with a 5.95% APR equates to an estimated monthly payment of $482.74. Actual payment will vary based on the total amount financed.
*We are no longer opening new rate bump certificates. May bump up rate once every twenty-four (24) months during term.
**A $10,000 personal loan for 36 months with an 8.49% APR, equates to an estimated monthly payment of $315.63.
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. For dividend-bearing checking and savings accounts, AdelFi pays dividends monthly on the last day of each month. Withdrawal of dividends and fees may reduce earnings on this account.
2Rates published are Annual Percentage Rates (APR). Rates start as low as the published rates. Your actual APR may differ based on your credit history, approved loan amount, and term. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. For current rates, call Member Services 800.325.4652.
✝The minimum daily balance to earn dividends for the Interest Checking account is $100. The minimum daily balance to earn dividends on Money Market Savings is $1,000.
✝✝7-Month Certificate Special Disclosures:
This offer is effective beginning November 18, 2024 and can end at the discretion of AdelFi at any time without prior notice. Click here for complete terms and conditions.
Account Holder Requirements to receive the special dividend rate:
You must:
- Be at least 18 years old
- Open a 7-month Certificate with a minimum opening balance of $1,000
- 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:
- Dividends are paid quarterly and at maturity at a dividend rate of 4.45%, resulting in an APY (Annual Percentage Yield) of 4.55%.
- 7-month certificate will automatically convert to a standard 12-month certificate at maturity. The 12-month certificate dividend 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.
Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration (NCUA), a U.S. Government Agency.
Please refer to AdelFi's Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice.
