Home Personal Checking & Savings Certificates
Focus On Increasing Your Savings Efficiently
Looking to save more effectively for your future? Consider an AdelFi High-Yield certificate as a viable option. Not only will you earn more than our regular certificate accounts, but you'll also be working with a financial institution that shares your values.
Earn Dividends
6-60 Month Terms
Earn 5.25% APY on a 13-Month Certificate✝
- Minimum Opening Balance of $1,000
- High-Yield Certificate
- Save more efficiently for your future
- NEW MONEY ONLY
High-Yield Certificate Accounts
Compare the dividend rates of our current high-yield certificate accounts. Your dividend rate is locked in for the entire term.
Term Length | Opening Balance | Dividend Rate | APY1 |
|---|---|---|---|
6 months | $0 $50,000 $100,000 | 4.02% 4.02% 4.02% | 4.10% 4.10% 4.10% |
1 year | $0 $50,000 $100,000 | 4.60% 4.60% 4.60% | 4.71% 4.71% 4.71% |
| 13-Months | $1,000✝ | 5.12% | 5.25% |
2 Years | $0 $50,000 $100,000 | 4.00% 4.00% 4.00% | 4.08% 4.08% 4.08% |
5 years | $0 $50,000 $100,000 | 3.58% 3.58% 3.58% | 3.64% 3.64% 3.64% |
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Dividend Rates Effective: March 15, 2024
General Certificate Disclosures:
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 is $1,000.00. 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.
Early Withdrawal Penalties:
- Maturity less than 12 months = 90 days of dividends
- Maturity 12 months or greater = 180 days of dividends
We are no longer opening new rate bump certificates. If you currently have a rate bump certificate, you may view the current rates here. You may bump up the rate once every twenty-four (24) months during the term.
Please refer to AdelFi's Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions offered are subject to change without notice.
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration (NCUA) is a U.S. Government agency.
✝13-Month Certificate Special Disclosures:
This Offer is effective beginning September 7, 2023 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 13-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 5.12% resulting in an APY(Annual Percentage Yield) of 5.25%.
- 13-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.
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