Introducing AdelFi Christian Banking with Aaron Caid

When two faith-based financial institutions come together, the goal isn’t simply to grow in size—it’s to grow in Kingdom impact. That’s precisely what’s taking place with the launch of AdelFi Christian Banking, a newly unified identity shaped by a shared mission to honor Christ and serve His people.Recently, we sat down with Aaron Caid, Chief Marketing Officer at AdelFi Christian Banking, to talk about how this merger came together, why the new name matters, and what it means for Christians who want their finances to reflect their faith.A New Identity Rooted in ScriptureAccording to Caid, the new name is much more than rebranding—it’s a declaration of purpose.“Our new name and identity are a visual representation of what we desire to accomplish with the merger,” he explains. The name AdelFi is derived from the Greek word adelphos, which is used more than 300 times in the New Testament to describe brothers and sisters in Christ.“That’s who we are,” Caid says. “Staff, members, and ministries—coming together as a family of believers to build a financial institution centered on Christ and dedicated to advancing God’s Kingdom.”The addition of the phrase “Christian Banking” is equally intentional—a bold statement about who they serve and the mission that drives them.The merger was completed on December 1, and throughout 2026, AdelFi Christian Banking will progressively roll out its new brand identity. Milestones include a new website in Q2 and an enhanced digital banking experience in Q3.Combining Strengths for Greater Kingdom ImpactWhat happens when two long-standing Christian credit unions combine their gifts and experience? Caid says the result is far more powerful than the sum of its parts.Both AdelFi and Christian Community Credit Union (CCCU) bring decades of ministry-focused service—over 125 years combined. Each also carries a unique tradition of generosity:AdelFi tithes 10% of its earnings to Christian ministries and mission-sending organizations.CCCU donates a portion of every debit and credit card swipe to Christian causes—over $6.5 million given to date.“Together, we will amplify our giving,” Caid notes. “And with our union, we will form the nation’s largest Christian credit union, creating a digital-forward banking experience that honors God and meets members wherever they are.”The merger also expands lending capacity for churches, ministries, and Christian businesses—allowing more Kingdom-minded projects to flourish.Strengthening the Christian Banking MovementChristian banking is still a small, often overlooked sector. But Caid believes this merger marks a turning point.“Most Americans don’t even know a Christian banking option exists,” he says. “By merging, we’re aligning resources to create more awareness, more growth, and more impact.”With AdelFi Christian Banking emerging as the clear leader in this space, Caid hopes believers increasingly see banking as an area of stewardship—not just convenience.“Our desire is to be the go-to financial solution for Christ followers who seek to align their finances with their faith,” he says. “We want to help steward God’s resources to His glory.”Why Christian Banking Is Countercultural—and NeededCaid acknowledges that choosing a Christian financial institution is, in many ways, a countercultural move.“We’ve seen a major shift among Christians who are fed up with secular banks using their funds for causes that don’t align with their values,” he explains.Believers want their money—God’s money—to be managed with integrity and used to advance gospel-centered work.“That’s why we’re boldly stating there is a quality alternative,” Caid says. “A place where your finances are stewarded in ways that reflect biblical priorities, not worldly ones.”The creation of AdelFi Christian Banking reflects a unified vision, a strengthened mission, and a renewed commitment to serving Christ’s people well. For those seeking to align their financial lives with their faith, this merger offers a meaningful way forward.To learn more about AdelFi Christian Banking or explore opening an account, visit: FaithFi.com/Banking.On Today’s Program, Rob Answers Listener Questions:I was offered a $45,000 loan at 8.675% for 20 years. I could use it to pay off two loans—one at 10.44% and one at 9.84%—and still have $15,000 left over. If I then put an extra $300 a month toward the new loan, is this a good deal?I’m 65 with a little over $1 million in a traditional IRA. Should I start converting some of it to a Roth before I have to take RMDs at 73?I budgeted $25,000 for a remodel. The contractor offered 0% financing for 72 months, bringing the cost to $21,000 with a $3,000 down payment—or I could pay cash and get an extra 5% discount by putting $6,000 down. Should I take the 0% option to keep more cash on hand? And will it affect my credit score?We owe $56,000 on our mortgage. I ...