Frequently Asked Questions

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  • What is the minimum balance for AG Loan Fund Certificates?

    A minimum balance of $250 must be maintained for Demand Certificates and all other investments must maintain $500 minimum in order to keep the investment open.

  • How often is interest paid?

    For Demand Certificates and Term Certificates (6 months to 5 years), interest can be paid monthly, quarterly, semi-annually, or annually. A minimum balance of $10,000 is required for monthly payments. For IRAs, any amount can be paid monthly, quarterly, semi-annually, or annually.

  • What is the difference between the Fixed and the Adjustable IRA Rate?

    The fixed rate is fixed for 5 years. The adjustable rate is subject to change monthly.

  • What is a Demand Certificate?

    The Demand Certificate is a variable rate investment with an indefinite maturity redeemable within 30 days after demand. A minimum balance of $250 must be maintained.

  • How can I make an additional investment to my AG Loan Fund investment?

    You can make an additional investment to your Demand Certificate at any time with a personal check or electronic transfer from your bank. Funding your Demand Certificate by electronic transfer can be done through Online Access. Adding funds to all other AG Loan Fund Investments can be made only when the investment reaches maturity. Upon maturity, you will have a 10-day grace period to add funds to your existing investment.

  • How do I redeem funds from my AG Loan Fund investments?

    Redemptions must be requested in writing and the requests must be signed by the owner(s) or other authorized parties. Requests can be mailed, faxed to Client Services at 417.520.3606, or scanned and sent as an email attachment to Redemptions for Term Certificates are available by check, bank wire, or Electronic Funds Transfer (EFT) with proper authorization forms on file with AGFS. Demand Certificates also allow for redemption requests by phone and through Online Access if two signatures are not required.

  • When will I be notified that my investment is maturing?

    A maturity notice is mailed approximately 30 days prior to the investment’s maturity date.

  • How often is interest compounded?

    Interest accrues daily and compounds monthly.

  • Can I make automatic additional investments?

    Monthly automatic investments can be made to Demand Certificates and Adjustable Rate IRAs. The minimum for each is $50 per month.

  • What is the difference between primary and contingent beneficiaries?

    When an owner(s) dies, the primary beneficiaries become the owners of the investment. If the primary beneficiaries are deceased, ownership goes to contingent beneficiaries.

  • How do I fund an AG Loan Fund investment?

    You may open an investment with a personal check or by electronic transfer from your bank. The minimum balance for the AG Loan Fund Demand Certificate is $250. All other investments require a $500 minimum. There are no annual fees. Premium rates may be available for individual investments of $250,000 or more. Open an investment.

  • Do I have to be an Assemblies of God member to fund an investment?

    In most states, any resident can invest and Assemblies of God affiliation is not required. Please refer to the Offering Circular for state specific requirements for Alabama, Arizona, Arkansas, California, Georgia, Idaho, Iowa, Kansas, Kentucky, Missouri, Oklahoma, Pennsylvania, South Dakota and Tennessee.

  • Are my investments insured?

    AG Loan Fund investments are not insured or guaranteed by SIPC, FDIC, or any other federal or state authority or regulatory agency, or any other person or entity. No AG Loan Fund investor has ever experienced a loss of investment or missed receiving an interest payment. However, as with any investment, past performance is no guarantee of future returns.