Review on Adelfibanking1
Disclaimer
Our reviews are subjective opinions based on the analysis of our independent writers from around the world. We recommend exercising your own judgment and verifying information independently. We cannot be held liable for decisions made based on our reviews.
Summary
About Adelfibanking1
AdelFi (adelfibanking.com) is an online Christian-focused financial institution, offering savings, checking, certificates, and lending products aligned with Christian values. The website promotes “values-based banking,” high-yield savings (e.g., a 5-month certificate with 4.00% APY), a money market account, and digital banking with modern security features. It also emphasizes its mission to support Christian causes: AdelFi gives back a portion of its profits (at least 10%) to Christian non-profits, ministries, and educational organizations. The platform provides robust digital tools — budgeting dashboards, account alerts, mobile check deposit, and shared branch access through the CO-OP network.
More Details
After reviewing the available evidence, AdelFi (adelfibanking.com) appears to be legitimate and real, not a scam. Here’s a deeper analysis of why this conclusion holds:
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Institutional Credibility: AdelFi is not a fly-by-night operation — it has roots in the Evangelical Christian Credit Union (ECCU), an established credit union rebranded as AdelFi. The fact that there's a credible corporate history (credit union structure, non-profit membership ownership) strongly supports legitimacy.
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Regulated Financial Entity: As a credit union, AdelFi would be subject to regulatory oversight (federal / state credit union regulators in the U.S.), giving customers some protections not typical of unregulated “investor-only” websites.
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Security & Technical Hygiene: The website has valid SSL, is hosted on a credible infrastructure, and has been scanned by third-party reputation services. ScamAdviser and Gridinsoft both analyze it and find no immediate red flags such as phishing, malware, or hosting in very high-risk geographies.
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User Feedback: While not universally glowing, the user reviews are mixed rather than uniformly negative or indicative of fraud. Some complaints exist (e.g., about service or account closure), which is normal in banking; but there’s no large-scale pattern of theft, phishing, or non-payment.
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Transparency & Support: AdelFi provides clear guides for users, FAQs, and support lines. Their documentation (user guides, online banking disclosures) is publicly available. Community & Mission: Its positioning as a Christian credit union supporting Christian causes is consistent across its site, mission statements, and external press. The rebrand from ECCU (with a long history) suggests continuity and honesty rather than a newly created facade for fraud.
Given all of this, the risk profile seems low-to-moderate: for a user seeking a Christian-aligned digital credit union with standard deposit, saving, and lending products, AdelFi appears to be a real, trustworthy institution. However, as with any financial decision, prospective users should check specific account terms, fees, and eligibility, and consider their own risk tolerance.
Warning: Low score, please avoid this website!
According to our review, this website has a higher risk of being a scam website.
It may attempt to steal your funds under the pretense of helping you make money.
Notice: High Score — Not likely to be a scam website.
According to our review, this website has a low risk of being a scam.
There is minimal indication of fraudulent activity.
Notice: Moderate score — Caution advised.
According to our review, this website shows a moderate risk level based on current data.
There is no strong evidence of a scam, but users should proceed carefully.
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Competiting Brands
Photos of Adelfibanking1
Pros
- Customer support: 24/7 help, virtual assistant, secure messaging, phone lines.
- Strong security basics: SSL encryption, good password requirements, clearly documented digital onboarding.
- Member-owned: As a credit union, profits go back to members or Christian causes, not to external shareholders.
Cons
- Limited popularity / reach: Low global ranking / traffic; may not be as widely known.
- Mixed user reviews: Some users report serious service issues (e.g., account closure, funds handling).
Website Overview
Country:
USA
Operating Since:
2021
Platforms:
Mobile/Desktop
Type:
Online bank
Spread:
N/A
Funding:
Online bank
Leverage:
N/A
Commission:
N/A
Instruments:
N/A
Keypoints
Legitimate Institutional History AdelFi was formerly the Evangelical Christian Credit Union (ECCU), which rebranded in 2022 to AdelFi, with a long track record dating back many decades. The credit union structure means it’s owned by its members (not a for-profit bank), which supports its mission-driven, community-oriented model.
Transparency & Digital Tools Their site has a valid SSL certificate, meaning data transmitted is encrypted. There is a detailed Getting Started user guide for both personal and business/nonprofit users, including security and account setup details. Their digital banking offering is fairly feature-rich: mobile app, transaction alerts, external account linking, budget tools, etc. For security, they require reasonably strong passwords (e.g., at least 10 characters, must include numbers, uppercase, lowercase, special characters).
Mission & Values-Driven Banking AdelFi markets itself as a Christian credit union, emphasizing stewardship, “recycling Christian dollars,” and funding Christian causes. Their mission includes giving back: at least 10% of profits are donated to Christian organizations.
Support & Customer Service They offer 24/7 digital support: live chat, virtual assistant (“Adel”), video call, etc. There are clearly published contact lines: for personal banking, they list a U.S./Canada number and international line. Their FAQ page covers common digital banking concerns: re-linking accounts, mobile deposit, password reset, etc
Overall Score
70%
Final Thoughts
After viewing and analyzing the site thoroughly by our experts and undergoing the proper process, we have reached a final conclusion.
AdelFi (adelfibanking.com) stands out as a purpose-driven, values-aligned banking institution, rather than a predatory or scammy operation. Its roots in a long-standing credit union, commitment to Christian stewardship, and transparent digital banking offerings suggest that it's more than just a marketing facade. Although some user complaints exist, they appear more related to service or standard banking frustrations than fraud. For individuals or organizations seeking a faith-aligned, mission-driven financial institution with modern digital tools, AdelFi offers a compelling and mostly trustworthy option. That said, as always, potential customers should carefully review membership requirements, account disclosures, and product terms, and perhaps start with a low-risk account if they’re unsure.
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