Investment Certificates

The Loan Fund offers Certificates to members of, contributors to, and organizations connected to the Christian Reformed Church of North America.

Residents and organizations of the following states may purchase Certificates after obtaining and reviewing the Offering Circular:

Alaska Florida Massachusetts Minnesota New Mexico Texas
Arizona Illinois Maryland Montana Nevada Washington
California Indiana Maine New Hampshire Ohio Wisconsin
Colorado Iowa Michigan New Jersey South Dakota

To request a hard copy of the Offering Circular email [email protected] or call 616-224-0829. After reading the Loan Fund's Offering Circular regarding the risks associated with purchasing Certificates, interested investors may complete and return a subscription form located in the back of the Offering Circular or available for download below. 

Individual Subscription Form
Corporate Subscription Form

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. 

Term Notes     Rate          APY*

12 months      3.2599%    3.3%

24 months      3.2599%    3.3%

36 months      3.6498%    3.7%

48 months      3.3575%    3.40%

60 months      3.4550%    3.50%

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. 

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%

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.

Current Flex Building Fund rate is 3.3% APY*.

*APY based on quarterly compounding of interest. 

This information does not constitute an offer to sell or a solicitation for an offer to purchase. Offers are made only by the offering circular in those jurisdictions where it is lawful to make such offers or solicitations of offers.

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

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