Investment Certificates

The Loan Fund offers Investment Certificates, Flex Investment Certificates, and Flex Building Fund Certificates. The Certificates are currently available to residents of: AK, AZ, CA, CO, FL, IL, IN, IA, MA, MD, ME, MI, MN, MT, NH, NJ, NM, NV, OH, SD, TX, WA, WI. 

Please read the Loan Fund's Offering Circular regarding the risks associated with purchasing of Investment Certificates, Flex Investment Certificates, and Flex Building Fund Certificates. For more information or to request an offering circular by mail contact the Loan Fund.

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.

Investment Certificate Rates

Requires $1,000 minimum investment. May elect to receive interest by check or direct deposit quarterly, monthly (for certificates of $50,000 or more), or allow the interest to compound. 

Rates are subject to change without notice.

Term Notes     Rate          APY*

12 months      3.9415%     4.00%

24 months      4.2324%     4.25%

36 months      2.9670%     3.00%

48 months       2.9670%    3.00%

60 months       3.4550%    3.50%

*APY based on quarterly compounding of interest. 

Investment Certificates are available to residents of: AK, AZ, CA, CO, FL, IL, IN, IA, MA, MD, ME, MI, MN, MT, NH, NJ, NM, NV, OH, SD, TX, WA, WI

not FDIC or SIPC Insured, Not a Bank Deposit, No CRC Guarantee

Flex Investment Certificate Rates

The Flex Investment Certificate offers flexibility in investments and redemptions. Requires an initial investment of $5,000. Up to two free redemptions may be made per month. 

Rates are subject to change without notice.

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. 

Flex Investment Certificates are available to residents of: AK, AZ, CA, CO, FL, IL, IN, IA, MA, MD, ME, MI, MN, MT, NH, NJ, NM, NV, OH, SD, TX, WA, WI

not FDIC or SIPC Insured, Not a Bank Deposit, No CRC Guarantee

Flex Building Fund

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 4.00% 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