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Individual Investments

Investing in your future can bring everlasting gains.

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Faith-Based Investing Options

You have many options for investing and growing your money, but AGFinancial is different in one important way: Funds invested with us transform lives by providing loans to grow ministry. Our faith-based investing options mean you can enjoy competitive rates of return and know your invested funds are helping churches expand and reach their communities.

Choose from two types of AGFinancial Investment Certificates, Demand and Term Certificates, and open an investment online or by mail.

Demand Certificates

Demand Certificates are variable rate investments that provide access to funds on demand (within 30 days). The minimum investment is $250.

Open by Mail Open Online

Term Certificates

Term Certificates have fixed or variable interest rates over a predetermined amount of time, ranging from three months to ten years. The minimum investment is $500.

Open by Mail Open Online

Faith-Based Investing Options

You have many options for investing and growing your money, but AGFinancial is different in one important way: Funds invested with us transform lives by providing loans to grow ministry. Our faith-based investing options mean you can enjoy competitive rates of return and know your invested funds are helping churches expand and reach their communities.

Choose from two types of AGFinancial Investment Certificates, Demand and Term Certificates, and open an investment online or by mail.

Demand Certificates

Demand Certificates are variable rate investments that provide access to funds on demand (within 30 days). The minimum investment is $250.

Open by Mail Open Online

Term Certificates

Term Certificates have fixed or variable interest rates over a predetermined amount of time, ranging from three months to ten years. The minimum investment is $500.

Open by Mail Open Online

Building Financial Health & Advancing Ministry Growth

  • Grow your investments, your way: Customized solutions designed to meet your financial needs
  • Grow your emergency fund: Be prepared for what the future holds with our competitive rates
  • Grow the Kingdom: Your investment helps provide loans to churches and ministries

AGFinancial Investment Certificates Rates

Investment Type Standard Rate Standard APY* Premium Rate** Premium APY*
DEMAND 0.750% 0.75% N/A N/A
3-MONTH 1.000% 1.01% N/A N/A
6-MONTH 1.125% 1.13% 1.375% 1.38%
1-YEAR 1.250% 1.26% 1.500% 1.51%
15-MONTH 1.750% 1.76% N/A N/A
2-YEAR 1.375% 1.38% 1.625% 1.64%
3-YEAR 1.500% 1.51% 1.750% 1.76%
4-YEAR 1.625% 1.64% 1.875% 1.89%
5-YEAR 1.750% 1.76% 2.000% 2.02%
7-YEAR† 1.875% 1.89% 2.125% 2.15%
10-YEAR† 2.250% 2.27% 2.500% 2.53%

*Annual Percentage Yield
**Premium rates may be available for investments of $250,000 or greater.
†Available for new investments only; funds may not be transferred from an existing or renewing AGFinancial investment.
Effective October 1, 2020.

There are two returns: There’s a return on the investment, and there’s a return to the Kingdom.

—Bryan Jarrett, Pastor, Northplace Church, TX

Testimonials found on this site are examples of what we have done for other clients, and what some of our clients have said about us. However, we cannot guarantee the results in any case. Your results may vary and every situation is different. No compensation was provided for these testimonials.

Frequently Asked Questions

AGFinancial 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 AGFinancial 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 AGFinancial, its policies and procedures, description and terms of investments, risk factors, and last three years of financials. When you open an investment, you agree to the Offering Circular’s terms and conditions.

Download Offering Circular

To see your investments online, you must first set up a user ID and password within Online Access.

Get Started

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 funds transfer (EFT) can be done through Online Access. Adding funds to all other AGFinancial 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.

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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.

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

Redemptions may 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 417.831.7429, or via our secure file upload. Redemptions for Term Certificates are available by check, bank wire, or Electronic Funds Transfer (EFT) with proper authorization forms on file with AGFinancial. Demand Certificates also permit redemption requests by phone and through Online Access if two signatures are not required.

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For Demand Certificates and Term Certificates (6 months to 10 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; however, additional paperwork is required for IRA withdrawals.

Interest accrues daily and compounds monthly.

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.

Our Distinctive

—AGFinancial is driven to provide competitive rates of return to investors while funds invested are used to make loans to growing churches.
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When you’re ready to plan your legacy, we’re here to help. Explore our variety of planned giving options.

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