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AdelFi Credit Union

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AdelFi Credit Union Rates & Review September 2026

Q: How many branches does AdelFi Credit Union operate?

AdelFi Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join AdelFi Credit Union?

Yes, to access services at AdelFi Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, AdelFi Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, AdelFi Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 28, 2026

AdelFi Credit Union's top rate as of September 28, 2026 is auto loans from 6.49% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of AdelFi Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.71%. Rates last updated and verified on 09/28/2026.

AdelFi Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at AdelFi Credit Union? Share your experience about AdelFi Credit Union by leaving a review below, or read customer reviews before you decide to use AdelFi Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.71%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

AdelFi Credit Union
San Dimas

255 N Lone Hill Ave
San Dimas, CA 91773-2308

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

AdelFi Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	6.49%
Rate History No change since Sep 24, 2026 · 6.49% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%

AdelFi Credit Union Other Rates

Product	Rate	Points	APY/APR
Church Loans	-	-	6.05%
Rate History No change since Sep 24, 2026 · 6.05% APR · checked 2 times Details As low as Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Home Loans	-	-	6.32%
Rate History No change since Sep 24, 2026 · 6.32% APR · checked 2 times Details As low as Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%
Ministry Certificates	-	-	4.00%
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.71%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

AdelFi Credit Union’s Texas Ratio rose from 2.11% in Q3 2023 to 4.71% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.4B	4.71%	5.0	A+
March 31, 2026	$1.4B	3.36%	5.0	A+
December 31, 2025	$1.4B	4.15%	5.0	A+
September 30, 2025	$876M	3.59%	5.0	A+
June 30, 2025	$885M	3.19%	5.0	A+
March 31, 2025	$880M	2.32%	5.0	A+
December 31, 2024	$839M	4.40%	5.0	A+
September 30, 2024	$824M	2.10%	5.0	A+
June 30, 2024	$851M	2.96%	5.0	A+
March 31, 2024	$851M	1.12%	5.0	A+
December 31, 2023	$850M	2.44%	5.0	A+
September 30, 2023	$850M	2.11%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for AdelFi Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather AdelFi Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with AdelFi Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name AdelFi Credit Union

Website N/A

Address 255 N Lone Hill Ave, San Dimas, CA 91773-2308

Phone 800-347-2228

Fax

President Dale Torry

CEO Blair Korschun

Full-Time Employees 177

Part-Time Employees 5

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.71%

Return on Assets (ROA)

0.5149%

Return on Equity (ROE)

4.0064%

Non-Performing Loans Ratio (NPL)

0.87%

Total Assets

1,421,349,449

Total Amount of Shares and Deposits

1,214,627,706

Total Shares and Deposits < 1 Year

1,136,239,029

Total Shares and Deposits 1 3 Years

71,857,072

Total Shares and Deposits > 3 Years

6,531,607

Total Interest Expense (Sum of items 6 8)

10,641,852

Share Certificates

7,051

Number of Accounts for Share Drafts

31,737

IRA KEOGH Accounts

1,444

Number of Accounts for Regular Shares

20,728

Money Market Shares

8,483

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

162,036,550

Total Liabilities

1,239,815,561

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

AdelFi Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/adelfi-credit-union-rates-review-97068">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About AdelFi Credit Union

How many branches does AdelFi Credit Union operate?

AdelFi Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join AdelFi Credit Union?

Yes, to access services at AdelFi Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, AdelFi Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, AdelFi Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does AdelFi Credit Union offer online and mobile banking?

Most modern institutions like AdelFi Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.