Investment Options (USA)

Investment Options

Double Dividend

Church Investors Fund offers a variety of investment options, and when you invest in Church Investors Fund, your return is two fold. Not only do your dollars help build God’s Kingdom, but you also earn a competitive interest rate that will help secure your own future.

Reflects Your Values

The places and options for you to invest your money continue to grow, but do you know for what cause they are using your money? Do they match your beliefs?

When you invest in Church Investors Fund, your money helps build churches. It builds new sanctuaries, new classrooms for children to learn about Christ, fellowship halls where people can come together to build relationships through Christ or to renovate current facilities that need a face lift to be able to function properly.

Look for Stability

Church Investors Fund investments are not insured by the FDIC. No state’s securities agency has recommended or endorsed an investment in Church Investors Fund. In most U.S. states, we must meet specific registration requirements or be exempt from registration before we can offer investments. Since our beginning in 1973, Church Investors Fund has never lost money on our loan portfolio or defaulted on a payment. For a more in-depth look at Church Investors Fund’s Management of Risk, view our Annual Report/Offering Circular. As you review our available investments, please keep in mind these investments involve certain risks. Our Annual Report/Offering Circular (U.S.) gives you information on these risks. A hard copy may be obtained from our office by calling 1-800-543-2343 or by e-mailing us (by clicking here).

Term Certificates

Church Investors Fund certificates are available in terms ranging from one-year to five-years. All term certificates carry a minimum investment of $1,000. Because of the variety of terms available, it’s easy to find one that best fits your investment needs.

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Foundation Certificates

Foundation Certificates give you the flexibility to invest any amount at any time, and to redeem funds up to three times per month at no penalty. The minimum investment is $250.

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IRA (Traditional and Roth)

Church Investors Fund IRA options include Traditional and Roth. We also accept retirement funds you would like to roll over or transfer to a Church Investors Fund investment. Church Investors Fund investments may qualify as vehicles under other types of retirement plans. Don’t hesitate to ask if we can help!

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Coverdell Education Savings Accounts

A Coverdell Education Savings Account (ESA), formerly called Education IRAs, allows you to contribute money to an education fund that will grow tax-free. The maximum contribution amount has increased, and a number of other options have been added, making this a much more investor-friendly way to save for a child’s education.

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Revocable Charitable Gift

A Revocable Charitable Gift allows you to leave money to Church Investors Fund or another North American Baptist ministry of your choice. During your lifetime, you earn interest on your investment and retain the right to revoke your gift if you choose. Upon your death, the funds become a charitable gift and are given to the ministry you designated it to.

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Building Fund Certificates

Building Fund Certificates offer our North American Baptist Churches the opportunity to have an investment with no maturity date and withdraw money at any time without penalty for building purposes. Building purposes are broadly interpreted as any planning, design, purchase or repair of buildings or land. The rate changes monthly and is based on the three year Term Certificate.

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*Louisiana – Demand securities are not available for sale in your state.

*South Carolina -Demand securities are not available for sale in your state. If you were a resident of the state of South Carolina when you purchased a Certificate, you may declare an “event of default” on your Certificate only if one of the following occurs:

We do not pay overdue principal and interest on the Certificate within 30 days after we receive written notice from you that we failed to pay the principal or interest when due; or

A South Carolina resident who owns a Certificate of the “same issue” as your Certificate (i.e., the same type, term and offering) has rightfully declared an event of default as to his or her Certificate. To declare an event of default, you must submit a written declaration to us. The rightful declaration of an event of default as to any one Certificate of an issue constitutes an event of default on the entire issue in South Carolina. Upon a rightful declaration of an event of default on a Certificate:

The principal and interest on your Certificate becomes immediately due and payable;

If you request in writing, we will send you a list of names and addresses of all investors in the state of South Carolina who own a Certificate of the same issue as your Certificate; and

The owners of 25% or more of the total principal amount of Certificates of the same issue outstanding in the state of South Carolina can declare the entire issue in the state of South Carolina due and payable.

(The purchase of Church Investors Fund securities is subject to risks, which are described in our Offering Circular. This is neither an offer to sell nor a solicitation of an offer to buy Church Investors Fund securities. Such an offer is made only by an Offering Circular and only in those states where Church Investors Fund securities may lawfully be offered or sold. Church Investors Fund securities are not F.D.I.C. or S.I.P.C. insured, nor are they guaranteed by the NAB.)