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Church Investments

Investing in your ministry’s future can bring everlasting gains.

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Investing for Churches & Ministries

You have many options for investing and growing your ministry’s cash reserves, but AGFinancial is different in one important way: Funds invested with us transform lives by providing loans to grow ministry. You can enjoy competitive rates of return and know your invested funds are helping other churches expand and reach their communities.

Choose from two types of AGFinancial Investment Certificates and open your church investments online or by mail: Demand Certificates and Term Certificates.

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

Investing for Churches & Ministries

You have many options for investing and growing your ministry’s cash reserves, but AGFinancial is different in one important way: Funds invested with us transform lives by providing loans to grow ministry. You can enjoy competitive rates of return and know your invested funds are helping other churches expand and reach their communities.

Choose from two types of AGFinancial Investment Certificates and open your church investments online or by mail: Demand Certificates and Term Certificates.

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 worth, your way: Customized solutions designed to meet your ministry’s financial needs
  • Grow your church emergency fund: Be prepared for what the future holds with our competitive rates
  • Grow the Kingdom: Your church investments provide loans to other 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.

Cash Management Strategy for Churches

Laddering Your Investments

Enjoy the benefits of longer term rates with shorter term access. Laddering your church investments reduces your exposure to interest rate fluctuations, while your investments mature according to your ministry needs.

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Not only do we receive more on our investment than what I could get with a money market or a local bank, but we sleep better at night knowing the money we invest is being used to further the Kingdom. 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.

FAQ: Investing for Churches

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 is used to making 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. Agreement to the Offering Circular’s terms and conditions is required to open an investment.

Download Offering Circular

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

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Access to institution investment(s) is permitted via an executed Authorized Agent Form signed by your institution’s authorized signers (including senior pastor for churches) and submitted to Client Services by email, fax, or mail.

Download Form

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.

An additional investment can be made to a Demand Certificate at any time with a check or electronic bank transfer. Funding a 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, there is a 10-day grace period to add funds to an existing investment.

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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 or faxed to Client Services at 417.520.3606, or scanned and sent as an email attachment to ClientServices@agfinancial.org 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.

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.

When you’re ready to grow, we’re ready to help. Learn more about church loan options.

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