The Loan Fund offers Investment Certificates with terms ranging from one to five years, with a $1,000 minimum. Investors have the option of receiving interest quarterly, monthly (for certificates of $50,000 or more), or allowing the interest to compound. Those who wish to receive their interest monthly or quarterly can either receive a check or have their interest automatically deposited to their local bank account.
Download an Offering Circular.
Please note - Investment Certificates are currently only available for sale in: AK, AZ, CA, CO, FL, IL, IN, IA, MA, MD, ME, MI, MN, MT, NH, NJ, NM, NV, OH, SD, TX, WA, WI
Current investment rates are:
Term Notes Rate APY*
12 months 2.9670% 3.00%
24 months 3.2111% 3.25%
36 months 3.4550% 3.50%
48 months 3.6983% 3.75%
60 months 3.9415% 4.00%
*APY based on quarterly compounding of interest.
Note: Rates are subject to change without notice.
Flex Investment Certificate
The Flex Investment certificate offers flexibility for investments and redemptions. An initial investment of $5,000 is required and up to two free redemptions may be made per month. Interest rates are variable and are tiered based on the balance in the investor's account. Interest is compounded and paid quarterly. Statements are mailed at the end of every month.
Current flex rates are:
Balance APY*
$100,000 + 0.75%
$50,000 to 99,999.99 0.50%
$25,000 to 49,999.99 0.50%
$5,000 to $24,999.99 0.50%
below $5,000 0.50%
*APY based on quarterly compounding of interest.
Note: Rates are subject to change without notice.
Flex Building Fund Certificate
Because the Loan Fund is committed to assisting churches in meeting their facilities needs, the Loan Fund also offers a certificate designed exclusively for the building funds of Christian Reformed Churches. The Flex Building Fund Certificate allows unlimited investments, up to two no-fee redemptions each month, and pays the same rate as our one-year investment certificate. An initial investment of $5,000 is required. The Flex Building Fund Certificate interest rate is variable and could change several times each month. Interest is compounded and paid quarterly. A statement is mailed at the end of every month.
The rates paid on investments are determined primarily by two factors. First, the Loan Fund attempts to pay rates comparable to similar investments in the marketplace. Therefore, rates paid by the Loan Fund will generally move up or down along with market rates. The level of demand for loans from churches will also influence the rates paid by the Loan Fund. If the demand for loans is high and funds are needed to meet that demand, rates may be increased in order to attract the needed investments. Conversely, if demand is low and sufficient funds are available to meet loan demand, rates may be reduced. Since the rate the Loan Fund pays on investments directly affects the rate paid by churches for loans, we attempt to maintain reasonable rates on investments so that, in turn, churches are able obtain competitive rates on loans.
Current Flex Building Fund rate is 3.00% APY*.
*APY based on quarterly compounding of interest.
Note: Rates are subject to change without notice.
Not FDIC or SIPC Insured
Not a Bank Deposit
No CRC Guarantee
Investments in the Loan Fund involve certain risks more fully disclosed in the offering circular.
This information does not constitute an offer to sell or a solicitation for an offer to purchase. Offers will be made only by the offering circular in those jurisdictions where it is lawful to make such offers or solicitations of offers.
For more information or for an offering circular contact the Loan Fund.