Investments
At CIF, we provide the opportunity for you to make impactful investments
These investments support churches and ministries nationwide through our Investment Certificates. This support happens because as Investment Certificates earn interest, they also fund construction, renovation, and real estate financing loans for churches and related ministries. This means when you invest with CIF, ministry happens.
Interest Rates as of
April 15, 2025
CIF Impactful Investment Certificate Offering
Sales of Investment Certificates raise funds for our church lending program while earning interest.
Demand Certificate
- Flexible investment option with variable rates
- Allows access to funds when you need them
Term Certificate
- Fixed interest rates with maturity dates from 90 days to 7 years
- Availability for Individual Retirement Accounts (IRAs) – requires CIF approval for eligibility
| Certificate Type | Minimum Balance | Simple Interest Rate | Yield to Maturity |
|---|---|---|---|
| Demand Certificate 1 | $1,000 | 3.00% | 3.03% |
| 90-Day Term Certificate 1,2 | $10,000 | 3.70% | 3.75% |
| 270-Day Term Certificate 1,2 | $10,000 | 4.40% | 4.47% |
| 1-Year Term Certificate 2 | $1,000 | 3.75% | 3.80% |
| 18-Month Term Certificate 2 | $10,000 | 4.50% | 4.58% |
| 2-Year Term Certificate 2 | $1,000 | 3.25% | 3.29% |
| 30-Month Term Certificate 2 | $10,000 | 4.60% | 4.68% |
| 3-Year Term Certificate 2 | $1,000 | 3.25% | 3.29% |
| 4-Year Term Certificate 2 | $1,000 | 3.25% | 3.29% |
| 5-Year Term Certificate 2 | $1,000 | 3.00% | 3.03% |
| 6-Year Term Certificate 2 | $10,000 | 4.00% | 4.06% |
| 7-Year Term Certificate 2 | $10,000 | 3.75% | 3.80% |
CIF’s current Subscription Agreements, and Offering Circular and all Supplements thereto, can be obtained by contacting us as set forth above.
(1)Demand Certificates, 90-Day Term Certificates and 270-Day Term Certificates are not available for IRAs.
(2)EARLY REDEMPTION PENALTY: Any redemption of a Term Certificate prior to its maturity is subject to a substantial penalty – namely, the principal amount payable to you will be reduced by an amount equal to a specified number of days’ of interest on the principal amount redeemed based on the original maturity of the Term Certificate. See “Your Redemption Rights for Term Certificates” in our Offering Circular.
AN INVESTMENT IN THE INVESTMENT CERTIFICATES INVOLVES CERTAIN RISKS MORE FULLY DESCRIBED IN THE OFFERING CIRCULAR, INCLUDING THE RIGHT OF CIF TO REDEEM THE INVESTMENT CERTIFICATES PRIOR TO THEIR FINAL MATURITY.
This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of Investment Certificates in any state in which such offer, solicitation or sale is not authorized. The offering is made solely by CIF’s current OFFERING CIRCULAR and all Supplements thereto. The Investment Certificates are unsecured debt instruments subject to terms, conditions and risks described in our Offering Circular, including the risk of possible loss of the amount invested. Payment is dependent on CIF’s financial condition at the time payment is due. The Investment Certificates are not FDIC insured, not SIPC insured, not a bank deposit and not guaranteed by the EFCA. CIF reserves the right to discontinue offering these Investment Certificates at any time.