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Investments

Providing competitive returns and Kingdom growth.
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AG Loan Fund Investments Do More

There’s a return for both the investor and for ministry; investors receive a competitive rate of return, while funds invested with AG Loan Fund transform lives by providing loans to build churches.

Investment Rates
  • Standard Rates Premium Rates**
    Investment Type Rate APY* Rate APY*
    Type: Demand Rate APY*
    Demand
    Standard
    0.75% 0.75%
    Premium
    N/A N/A
    Type: 6M Rate APY*
    6-Month
    Standard
    0.80% 0.80%
    Premium
    1.05% 1.06%
    Type: 1Y Rate APY*
    1-Year
    Standard
    1.00% 1.01%
    Premium
    1.25% 1.26%
    Type: 18M Rate APY*
    18-Month
    Standard
    1.25% 1.26%
    Premium
    N/A N/A
    Type: 2Y Rate APY*
    2-Year
    Standard
    1.25% 1.26%
    Premium
    1.50% 1.51%
    Type: 3Y Rate APY*
    3-Year
    Standard
    2.00% 2.02%
    Premium
    2.25% 2.27%
    Type: 4Y Rate APY*
    4-Year
    Standard
    2.25% 2.27%
    Premium
    2.50% 2.53%
    Type: 5Y Rate APY*
    5-Year
    Standard
    2.50% 2.53%
    Premium
    2.75% 2.79%
    Type: 7Y Rate APY*
    7-Year
    Standard
    2.75% 2.79%
    Premium
    3.00% 3.04%
    Type: 10Y Rate APY*
    10-Year
    Standard
    3.25% 3.30%
    Premium
    3.50% 3.56%
    Open an AG Loan Fund Investment
  • Standard Rates Premium Rates**
    Investment Type Rate APY* Rate APY*
    Type: Demand Rate APY*
    Demand
    Standard
    0.75% 0.75%
    Type: 1YF Rate APY*
    1-Year Fixed
    Standard
    1.00% 1.01%
    Type: 3YF Rate APY*
    3-Year Fixed
    Standard
    2.00% 2.02%
    Type: 5YF Rate APY*
    5-Year Fixed
    Standard
    2.50% 2.53%
    Type: 5YA Rate APY*
    5-Year Adj.
    Standard
    2.25% 2.27%
    Type: 7YF Rate APY*
    7-Year Fixed
    Standard
    2.75% 2.79%
    Type: 10YF Rate APY*
    10-Year Fixed
    Standard
    3.25% 3.30%
    Open an IRA or ESA

How would you like to invest?

Individuals

Invest Online

Churches and Ministries

This is not an offering to sell securities referred to herein and we are not soliciting you to purchase these securities. The offering is made only by the Offering Circular which includes risk factors. The Offering Circular may be obtained by writing or calling AG Loan Fund or by clicking here. An investment in AG Loan Fund involves certain risks that other investment options may not have. Not all risks can be quantified or compared to other investments. You should carefully evaluate all the risks in assessing the potential benefit of the various investments.  AG Loan Fund investments are offered and sold only in states where authorized or exempt from authorization. AG Loan Fund is an affiliated entity of AG Financial Solutions.


Not FDIC or SIPC Insured. Not a Bank Deposit. No AG Financial Solutions Guarantee.

AG Loan Fund is an affiliated entity of AG Financial Solutions, one of the nation’s largest church investment and lending institutions.

Open an Investment

Open an Investment

Types of Investments
AG Loan Fund Investment Certificates
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Choose from two types of AG Loan Fund Investment Certificates:

AG Loan Fund Demand Certificates are variable rate investments with an indefinite maturity, redeemable within 30 days after demand. The minimum investment is $250.

AG Loan Fund Term Certificates have maturities ranging from six months to five years. The minimum investment is $500. To qualify for premium rates, a minimum investment of $250,000 or more is required per investment certificate.

Individual Retirement Accounts (IRA)
Learn More

IRAs are an effective way to save for retirement. For many individuals, they are a great alternative or supplement to other retirement plans and are available for those wanting to roll over their current 401(k) or 403(b) investments.

Coverdell Education Savings Accounts (ESAs)
Contact Us

ESAs allow investors to save for a student’s future education. Earnings grow on a tax-deferred basis and may be distributed tax-free for qualified expenses at a qualified institution.

Still have questions, or ready to get started?
Contact your dedicated investment consultant.

Enjoy the benefit of longer term rates with shorter term access.

Churches and Institutions

Investment solutions designed for you

AG Financial Solutions exists to serve you. Whether you need cash management strategies or help setting up a retirement plan for your employees, we provide customized solutions designed to meet your financial needs and goals.

AG Loan Fund Certificates

With nearly 1,300 churches invested, AG Loan Fund Investment Certificates are fixed-income investments that offer a competitive rate of return for your ministry’s cash reserves.

Invest Now

Cash Management Strategies for Churches

Laddering your investments reduces your exposure to interest rate fluctuations, while your investments mature according to your ministry needs. Use our Ladder Investment Calculator as a tool to help you get the highest rate of return possible.

Investment Laddering Strategy Calculator

Retirement Planning

The AG 403(b) retirement plan is the only retirement program endorsed by the General Council of the Assemblies of God. It is open to all AG ministers and ministry employees.

Learn More

Quick Answers to Your Questions
General Questions
  • 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.

  • The Offering Circular helps you make an informed investment decision. It includes the history of AG Loan Fund, its policies and procedures, and last three years of financials. When you open an investment, you agree to the Offering Circular’s terms and conditions.

  • To see your accounts or investments online, you must first set up a user ID and password. Enter your full SSN as your temporary User ID and the last four digits of your SSN as your temporary password. You will then be taken through the online access setup where you will create a new user ID and password.
    Get started >>

    If you forget your user ID and/or Password, contact Client Services at 1.800.253.5544 or email ClientServices@agfinancial.org.

  • Access your account(s) and/or investment(s) is permitted via a completed authorization form, signed by your institution’s authorized signer (senior pastor for churches) and submitted to Client Services by email, fax, or mail. The form may be obtained by contacting Client Services.

Investing
  • 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.

  • 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.

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

  • 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 ClientServices@agfinancial.org. 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.

Interest
  • 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.

  • Interest accrues daily and compounds monthly.

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

  • Our current policy is to impose an early redemption penalty of 2% of the principal amount of the investment certificate redeemed prior to maturity. Term certificates allow investors to borrow against their balance; contact us for more information.

Forms

Investments
Transfer on Death Designation Change Form

Change the beneficiaries on an AG Loan Fund investment. This form must be signed before a notary by all owners of the investment.

Direct Deposit from Checking to Demand Certificate

Establish an incoming, regular investment to your AG Loan Fund Demand Certificate from your checking account.

Interest Payment from AG Loan Fund to Checking

Receive recurring interest payments from an AG Loan Fund Investment to your checking account.

Periodic Payment from Demand to Checking

Receive a periodic redemption from an AG Loan Fund Demand Certificate to your checking account.

Individual Redemption Request

Request an individual redemption (partial or full) from your AG Loan Fund Investment.

Institutional Redemption Request

Request an institutional redemption (partial or full) from an AG Loan Fund Investment.

Change of Address

Update the address of an owner or authorized individual on account(s) and/or investment(s)

Name Change Request (Individual)

Update your legal name on all your investment(s) and/or account(s).

Authorized Agent (Church/Institution)

Provide authorized contacts with access to information regarding the account(s) and/or investment(s) of your institution.

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