Why invest in CIF?

At CIF, we provide impactful investments that support churches and ministries nationwide. This support happens because as investments earn interest, they also fund construction, renovation, real estate and refinancing, and financing loans for churches and ministries. This means when you invest with CIF, ministry happens. Get started on your investment journey.

For current CIF investors, click here to view and access available servicing forms, or contact our customer service team as outlined below.

Investment options that fit your growing needs.

Demand Certificate:

A flexible investment option with variable rates, this option allows you to access funds when you need them. 

Term Certificate:

With maturity dates of 90 days to 7 years, this option provides a fixed interest rate and generally higher return over the long haul.

Individual Retirement Accounts (IRAs):

Traditional and Roth IRAs, which are resourceful ways to plan for the future (we are happy to help with transfers and rollovers).

Investment Rates Effective April 15, 2022

Investment Rates Effective April 15, 2022

Today's Investment Certificate Interest Rates
Effective
Term Minimum Balance Rate Yield
Demand $1,000 0.45% 0.45%
90-Days $10,000 0.65% 0.65%
270-Days $10,000 0.80% 0.80%
1-Year $1,000 0.90% 0.90%
2-Year $1,000 1.10% 1.10%
30-Month $1,000 1.20% 1.21%
3-Year $1,000 1.30% 1.31%
4-Year $1,000 1.40% 1.41%
5-Year $1,000 1.50% 1.51%
7-Year $10,000 2.00% 2.01%

CIF's current Subscription Agreements, and Offering Circular and all Supplements thereto, can be obtained by contacting us or visiting our website as set forth above.

Demand Certificates, 90-Day Term Certificates and 270-Day Term Certificates are not available for IRAs.

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, and under the terms and subject to the conditions outlined within. 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.

CIF Investments Testimonial - Map showing current churches

“CIF cares about local churches! They desire to see local churches utilize their spaces for the Lord’s Commission and the good of their communities. By partnering with CIF, you not only invest in your local church but also contribute to the ministries of other local churches.”

Bryan Lair, Pastor
Trinity City Church, St. Paul, MN
Begin your investment journey

Talk with one of our specialists today to learn more about you or your church investing with CIF.