AdelFi

Name

AdelFi

Legal name

AdelFi Credit Union

Website

https://adelfibanking.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Credit Union / Retail Banking

NAICS

Credit Unions (52213)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Faith-Based & Affinity Credit Unions (FSABAEAH)

akta.pro secondary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Credit union services
• Faith-based banking
• Ministry lending
• Consumer deposit accounts
• Church real estate loans

Headquarters

HQ city

Brea

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income from Lending: As a credit union, AdelFi generates revenue primarily through interest income on loans including home mortgages, auto loans, personal loans, and ministry/business loans. Interest rates range from 3.10% APR on share-secured loans to 6.49% APR on auto loans and up to 5.486% APR on conforming home mortgages.
2. Deposit Account Fees and Services: Revenue from various account-related fees including monthly service fees on accounts below minimum balance thresholds, early withdrawal penalties on certificates, and miscellaneous service charges. Many checking and savings accounts have no monthly fees when balance requirements are met.
3. Credit Card Transaction Fees: Income generated from credit card interchange fees on purchases made with AdelFi Visa credit cards. Additionally, a portion of each credit card purchase is donated to missions through the Cards that Give to Missions program.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

AdelFi is a member-owned Christian credit union that provides retail banking products and lending services to individuals, families, churches, ministries, and Christian-owned businesses. It offers checking and savings accounts, certificates, mortgages, auto loans, personal loans, and credit cards, alongside specialized Ministry Banking services such as church real estate financing. Operating as the largest faith-based credit union in the United States following the December 2025 merger of Christian Community Credit Union and AdelFi Credit Union, it serves members nationwide through digital banking, a mobile app, and the CO-OP shared branch and ATM network.

Product overview

AdelFi is a faith-based credit union offering a comprehensive suite of banking products across three main segments: Personal Banking (checking, savings, certificates, loans, and credit cards), Ministry Banking (specialized accounts and loans for churches and ministries), and Business Banking (accounts and services for Christian-owned organizations). The product portfolio includes high-yield checking and savings accounts (Harvest Checking at 4.00% APY, Harvest Savings at 5.00% APY), various certificate options (Welcome, Liquid, Step-it-Up, Term Share), real estate and consumer loans (auto, personal, student, RV, home equity), and co-branded credit cards supporting Christian missions. Key differentiators include the 'Cards that Give to Missions' program that has donated over $6.9 million since 1995, and over $1 billion in ministry real estate loans funded. The digital banking platform provides mobile apps, remote deposit capture, and integration with Apple Pay, Google Pay, Samsung Pay, and Zelle.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Checking No-monthly-fee personal checking account with no minimum balance requirement after a $100 opening deposit, free Visa debit card with buyer protection, and mission donations on signature-based purchases.
• Harvest High-Yield Checking High-yield personal checking account earning 4.00% APY on balances up to $5,000 (0.05% APY above $5,000), bundled with Harvest Savings. Requires e-statements, online banking, active debit/credit card use, and $500 in monthly deposits.
• Savings Account Basic personal savings account with $100 minimum to open, competitive APY, and immediate access to funds for individual members.
• Harvest High-Yield Savings Tiered personal high-yield savings account offering 5.00% APY on balances up to $5,000, 2.25% APY on $5,000.01-$10,000, and 0.10% APY above $10,000. $100 minimum to open.
• Money Market Account Variable-tiered personal money market account with $1,000 minimum opening, paying higher rates than standard savings with immediate fund access.
• Premium Money Market Account Higher-tier personal money market account with $10,000 minimum opening, check-writing privileges, and premium variable rates.
• High-Yield Money Market Promotion Promotional money market account offering 4.00% APY on balances up to $100,000 for 12 months, requiring a $1,000 minimum opening.
• Welcome Certificate Short-term personal certificate account for new money, with 5-month term at 3.70% APY or 10-month term at 4.00% APY, $500 minimum and $250,000 maximum.
• Liquid Certificate 15-month personal certificate paying 1.90% APY that allows penalty-free withdrawals up to 50% of balance after 7 days, with a $2,000 minimum.
• Step-it-Up Certificate 30-month personal certificate that allows one rate increase if standard rates rise, with $500 minimum and auto-renewal to a 24-month term.
• Term Share Certificate Traditional fixed-term personal certificate with terms from 6 to 60 months, dividends compounded daily and paid monthly, with a $1,000 minimum for most terms.
• Start Young Checking Youth checking account for ages 0-17 with $25 minimum opening, no monthly fees, debit card access, and age-appropriate features.
• Start Young Savings Youth savings account for children with $25 minimum opening, 0.10% APY, and parent-controlled features.
• Home Purchase Loans Mortgage financing for home purchases with rates from 5.375% (15-year fixed) to 6.000% (30-year fixed), offering 3% and 5% down payment options and flexible terms.
• Home Equity Line of Credit (HELOC) Revolving home equity line of credit with a 3.99% APR introductory rate for 6 months (variable rate thereafter) for home improvements and debt consolidation.
• Auto Loans Vehicle financing for new, pre-owned, and refinance with rates as low as 6.49% APR, including lease buy-outs and private party purchases, with a 0.25% auto-pay discount for AdelFi checking customers.
• MyAdvantage Personal Loan Fixed-term personal loan from $2,500 to $50,000 at rates as low as 8.99% APR with zero origination and prepayment fees.
• Personal Credit Line Open-end revolving personal credit line with variable rates based on the WSJ Prime Rate, requiring minimum payments of 3.5% of outstanding balance.
• Student Loans Private student loans for higher education with variable and fixed rate options, evaluated through Credit Union Student Choice.
• RV Loans Recreational vehicle loans with rates as low as 8.99% APR for new and 9.49% APR for pre-owned units, with terms up to 180 months.
• Cash Rewards Visa Credit Card Personal credit card earning 1.5% cash back on all purchases with 0% introductory APR for 6 months on purchases and balance transfers, then 18.49%-32.49% variable APR; no annual fee.
• Cards that Give to Missions (Visa & Mastercard)
• Mission Aviation Fellowship Visa Co-branded personal credit card supporting Mission Aviation Fellowship with rewards and ongoing mission donations.
• International Ministries Visa Co-branded personal credit card supporting International Ministries organization with a rewards program.
• Ministry Free Checking No-fee checking account for churches and ministries with no minimum balance requirements.
• Ministry Standard Checking Standard ministry checking account with analysis features for cash flow management at churches and ministries.
• Ministry Analyzed Checking Ministry checking account with detailed transaction analysis and reporting for ministry financial management.
• Ministry Harvest High-Yield Savings High-yield savings for ministries earning competitive rates on reserves earmarked for building projects, missions, or operating needs.
• Ministry Premium Money Market Premium money market account for larger ministry reserves with check-writing privileges and competitive rates.
• Ministry Real Estate Loans Financing for church construction, renovation, expansion, and property acquisition with rates as low as 5.80% APR; over $1 billion in ministry real estate loans funded cumulatively.
• Ministry Lines of Credit Revolving credit lines for ministry short-term capital needs and seasonal cash flow management, with secured and unsecured options.
• Ministry Share Secured Loans Loans for ministries secured by existing deposit funds at the credit union, with zero points and fees.
• Ministry Term Loans Unsecured short-term loans for unexpected expenses and emergencies at ministries, with competitive rates and fast funding.
• Gives to Missions Business Rewards Visa Business credit card earning CURewards points with mission donations, offering a $300 bonus for spending $3,000 in the first 3 months.
• IRAs Individual Retirement Accounts available on savings and money market products, providing tax-advantaged retirement savings for personal members.
• Insurance Services Insurance products and services for personal and business members offered through partnership providers.

Quantifiable outcome

• Over $1 billion in ministry real estate loans funded
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• CO-OP Financial ServicescoreTechnology or IntegrationCO-OP Financial Services provides AdelFi members with access to over 5,600 shared branch locations and 30,000+ surcharge-free ATMs nationwide. This partnership enables AdelFi to offer nationwide banking access comparable to large national banks while maintaining its credit union member-owned structure.
• VisacoreTechnology or IntegrationAdelFi issues Visa-branded debit and credit cards including Cash Rewards Visa, Gives to Missions Business Rewards, and ministry-focused credit cards. The Visa partnership enables card processing, fraud protection, and zero liability protection for cardholders.
• Christian Community Credit Union (CCCU)flagshipStrategic or Co-development PartnerChristian Community Credit Union and AdelFi merged effective December 1, 2025, to form the largest faith-based credit union in the United States. The combined entity serves Christians across denominations with over 125 years of collective experience in Christ-centered financial services. Existing CCCU members' accounts were migrated to the unified AdelFi platform.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• BECU (Boeing Employees' Credit Union): Washington-state based, large community credit union with broad membership. Comparable as a large member-owned cooperative with comprehensive banking, real estate, and community-focused services.
• Navy Federal Credit Union: Largest U.S. credit union serving military members and families. Demonstrates the scale ceiling for affinity-based, member-owned institutions and serves as a benchmark for what a dominant affinity credit union can become.
• State Employees' Credit Union (SECU): Large North Carolina-based affinity credit union. Comparable as a large member-owned institution with deep community ties, comprehensive lending, and member-focused philosophy.

Direct peers

• Catholic Financial Life: Faith-based (Catholic) member-owned financial cooperative offering deposit products, loans, and insurance. Comparable as another religiously-affiliated member-owned institution with similar member-aligned mission and product breadth.
• Alliant Credit Union: Digital-forward, member-owned credit union serving a broad open-membership base nationwide. Comparable in offering high-yield savings, no-fee checking, nationwide digital access, and serving a values-driven membership.
• Christian Financial Credit Union: Michigan-based faith-based credit union serving Christians with comparable deposit, lending, and credit card products. Closest direct analog to AdelFi in serving a Christian membership base with mission-driven programs.
• First Tech Federal Credit Union: Affinity credit union serving technology employees and the broader community with digital-first banking. Comparable size, full-service product portfolio, and emphasis on member-owned cooperative values.
• SchoolsFirst Federal Credit Union: Large California-based affinity credit union serving school employees and their families. Comparable as a large member-owned, affinity-based credit union with deep California roots, comprehensive product suite, and similar membership size class.
• Connexus Credit Union: Mid-sized nationwide member-owned credit union with full-service digital and lending products. Comparable size class, broad community membership, and emphasis on high-yield deposit products.
• PenFed (Pentagon Federal Credit Union): Large affinity-based credit union serving military and broader communities nationwide. Comparable member-owned structure, affinity-driven acquisition, and full-service banking products including real estate and auto lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/AdelFiBanking
• Facebookfacebook.com/AdelFiBanking
• LinkedInlinkedin.com/company/adelfibanking

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AdelFi