Chrisitan Financial Resouces, INC.

Type Annual Yield (APY) Minimum Investment Effective Date
Ready Access 1.80% $2,000* 04/01/2020
2.00% $1,000,000 04/01/2020
1-Year Certificate** 2.40% $25,000 05/29/2020
3-Year Certificate** 2.60% $10,000 04/01/2020
2.70% $250,000 04/01/2020
5-Year Certificate** 2.70% $10,000 04/01/2020
2.80% $250,000 04/01/2020
7-Year Certificate** 2.80% $10,000 04/01/2020
2.90% $250,000 04/01/2020
10-Year Certificate** 2.90% $10,000 04/01/2020
3.0% $250,000 04/01/2020
Flexible Certificate** Negotiable % $1,000,000 04/01/2020
*Not available for Individual Retirement Accounts. IRAs require a minimum $10,000 initial investment.**Early redemption penalty will apply

Meet Our Team

  • Darren R. Key, CFP®, Chief Executive Officer

    Darren R. Key, CFP®

    Chief Executive Officer

    Darren has served with Christian Financial Resources since June of 1997. Born and raised in Kansas, he received his dual degree in Christian Service and Finance from Manhattan Christian College and Kansas State University. During college, Darren preached at the Rosalia Christian Church near Wichita.

    Following graduation and his ordination into ministry, Darren interned with Southeast Christian Church in Louisville, Kentucky, the largest independent Christian Church in the country at the time, assisting with the church's $11.5 million campaign for the Youth Activity Center. Later, Darren earned his MBA from the University of Louisville and earned his CFP® designation from the CFP Board.

    Darren and his wife, Rachel, have four children. They adopted Alex and Scarlett from Russia and Kyrgyzstan, and were also blessed with biological twins named Amelia and Juliette.

  • Mike Kocolowski, Chief Operating Officer

    Mike Kocolowski

    Chief Operating Officer

    Mike began his duties as CFR's COO in October, 2005. He has served in leadership roles in the Christian church for over 35 years, most recently at Journey Christian Church in Orlando. Mike holds a degree in Business Administration from the University of South Florida and a Master of Arts in Theology from Reformed Theologial Seminary (RTS). He has recently begun coursework towards his PhD at Regent University's School of Global Leadership and Entrepreneurship. He also serves on the Florida Church Partners management team.

    Mike and his wife, Mary Ann, have been married for thirty-five years and are blessed with four children: Michele, Melanie, Melissa, and Matthew. He has 3 grandchildren.  

  • Malcolm Puckett, Chief Development Officer

    Malcolm Puckett

    Chief Development Officer

    Malcolm has been in full-time ministry since 1982, serving congregations in Georgia, North Carolina, and Virginia. He joined the CFR team after eight years as associate minister at Avalon Church of Christ in Virginia Beach. Malcolm has also consulted and worked with numerous other nonprofit organizations, including the American Cancer Society, International Disaster Emergency Services (IDES), Camp Rudolph, and Mid-Atlantic Christian University. He holds a Bachelor's degree from Roanoke Bible College and a Master's degree from Regent University.

    Malcolm and his wife, Debbie, have one son, Tyler. They are actively involved with the Avalon congregation in Virginia Beach, Virginia.

  • Jose Maldonado, Vice President of Lending

    Jose Maldonado

    Vice President of Lending

    Jose joined CFR in September of 2005. He is responsible for the day-to-day operation of the loan department, including underwriting, closing, and servicing. In his tenure at CFR, Jose has facilitated hundreds of loans and has also helped raise millions of dollars to fund those projects. Jose holds a Bachelor’s degree from the University of Central Florida. Prior to joining the CFR ministry, Jose worked as a business analyst for a global human resources firm in Orlando. Jose’s greatest joy is his family, which includes his wife, Vilmarie, and their three beautiful children: Alex, Aidan, and Avalee. Jose and his family attend Safe Harbor Christian Church. 

  • Jesse D. Kamm, Ph.D., PMP, CTM, Senior Vice President of Construction Management

    Jesse D. Kamm, Ph.D., PMP, CTM

    Senior Vice President of Construction Management

    Jesse began working with CFR in 2006 as a construction management consultant. In the summer of 2014, he joined the ministry full-time. Jesse is a licensed class "A" general contractor who has overseen the management of church construction projects since 1998. He has presented original research at national construction and engineering conferences and has been awarded multiple federal grants for his advancements of the industry. In addition, Jesse received his PhD in Construction Technology Management from Indiana State University in 2017. Jesse and his wife, Jill, a pediatric nurse, have three children: Carter, Kendall, and Ryland. Florida natives, the Kamms enjoy traveling, sports, and the ocean.

  • Shane Armstrong, Regional Vice President (KY & WV)

    Shane Armstrong

    Regional Vice President (KY & WV)

    Shane Armstrong came to CFR in 2020 after more than two decades in full-time ministry. In his role as regional vice president, he serves churches and investors in Kentucky and West Virginia. Prior to joining the CFR ministry, Shane served at Lakeside Christian Church in Northern Kentucky for 21 years. An Ohio native, he is a graduate of Cincinnati Christian University and an avid Ohio State Buckeyes fan. Outside of his work with CFR, Shane continues to serve in ministry at Lakeside Christian Church where he attends with his wife, Kendra, and their two daughters.

  • Aaron Bates, Regional Vice President (KS, MO, NE & IA)

    Aaron Bates

    Regional Vice President (KS, MO, NE & IA)

    Aaron joined the CFR team in September of 2016, following 11 years as executive pastor at Legacy Christian Church in Overland Park, KS. He led the campus ministries of Legacy’s four locations, two of which he launched in 2008 and 2012. Aaron has also worked in the residential mortgage industry, structuring loans and counseling clients on products that would best meet their financial goals. He is a Kansas native and a graduate of both Manhattan Christian College and Kansas State University. Aaron and his wife, Angie, live in Olathe, KS with their three beautiful girls: Sophia, Stella and Samara. They attend Legacy Christian Church.

  • Bill Behrman, Vice President of Legacy Giving

    Bill Behrman

    Vice President of Legacy Giving

    Bill joined CFR in July of 2013. Originally from Columbus, Indiana, he has been a Florida resident since 1996. Bill holds an accounting degree from Indiana University and spent 15 years with Florida Christian College in Kissimmee, where he served as president of the college. In addition to his work with CFR, he is a Rotarian and enjoys playing golf.

    Bill and his wife, Cheryl, have been married for more than 30 years. They have two grown children: Keli and Kresten. Bill and Cheryl are members of Kissimmee Christian Church. 

  • Matt Brock, Ph.D., Regional Vice President (OK, TX, AR, LA)

    Matt Brock, Ph.D.

    Regional Vice President (OK, TX, AR, LA)

    Dr. J. Matthew Brock came to the CFR ministry with more than a decade of experience in nonprofit fundraising and communications. He served as director of development at Good News Productions International (GNPI) and is a veteran of the U.S. Marine Corps. In his role as regional vice president, he serves churches and investors in Oklahoma, Texas, Arkansas, and Louisiana. Matt holds a Ph.D. in Education (Human Performance Technology) and a master’s degree in ministry. He and his family live in Missouri.

  • Aviles Champion, Office Assistant

    Aviles Champion

    Office Assistant

    Aviles joined the CFR ministry team in January of 2018 and serves part-time at the front desk in our Lake Mary, Florida office. Aviles is a student at Stetson University where she is majoring in psychology and minoring in biology. After graduation, she plans to pursue a Masters degree in psychology. In addition to her work at CFR, Aviles also works as a Comfort Care Angel at Deland Florida Hospital and serves as a high school leader with Young Life. She lives on a horse farm with her family, which includes two younger sisters.

  • Samantha Crawford, Investor Services Representative Manager

    Samantha Crawford

    Investor Services Representative Manager

    Samantha joined CFR in February of 2016 after being referred by her pastor. In her role as ISR manager, she leads the team that assists CFR customers with their investment needs and questions. Sam holds a Bachelor’s degree in Business Management and previously worked for a large national bank, where she gained insight into the financial industry. A New Jersey native, Sam now lives in the Orlando area with her husband, Kyle.

  • Drew Depler, Regional Vice President (Mountain States)

    Drew Depler

    Regional Vice President (Mountain States)

    Drew Depler joined the CFR ministry in 2020 following 12 years in full-time ministry at LifeBridge Christian Church in Colorado. Prior to his time at LifeBridge, Drew led information technology teams in in Boulder, Colorado for more than a decade. He has also served on the board of directors for many other non-profit organizations, including Habitat for Humanity and Christian Missionary Fellowship International. Drew holds a degree in business administration from Milligan College. He and his wife, Jennifer, continue to volunteer at LifeBridge Christian Church. They have two children, Alicia and David. 

  • Kent Fillinger, Regional Vice President (OH, PA, MI)

    Kent Fillinger

    Regional Vice President (OH, PA, MI)

    Kent joined the CFR team in November 2018 after eight years working in development and fundraising at CMF International. Before that, Kent served on the ministry staffs of churches ranging in size from 250 to 3,700 in Ohio, Kentucky, and Indiana. Kent writes monthly for Christian Standard magazine and also writes for Leadership Network. He is a proud Buckeye native and has a BA in Bible & Christian Ministry and a MA in Theological Studies from Cincinnati Christian University. Kent and his three awesome daughters, Leah, Norah, and Kara, live in Brownsburg, Indiana where they attend Connection Pointe Christian Church. 

  • Todd Fischer, Vice President of Construction Management

    Todd Fischer

    Vice President of Construction Management

    Todd joined the CFR team in June of 2019 with a diverse background in both construction management and ministry. Todd served for 11 years in ministry at Lifepointe Christian Church in Raleigh, NC. During his tenure as Executive Pastor he helped launch, relocate and merge multiple church locations as well as purchase land and renovate facilities. He has an MS in Civil Engineering focused on Construction Engineering and Management and a BS in Secondary Mathematics Education, both from North Carolina State University. Todd has many years of construction experience as both an estimator and project manager. Todd and his wife, Rachel, have been married for 19 years and live in Raleigh with their three children: Emma Grace, Isaac and Owen. They attend and serve at Lifepointe Christian Church in Raleigh, NC.

  • Jeri Graumlich, Accounting Services Representative

    Jeri Graumlich

    Accounting Services Representative

    Jeri joined the CFR team in March of 2016. During her tenure at CFR, she has served in both the loan department and the accounting department. Jeri has extensive experience serving in both financial and leadership roles with various ministries, including her home church. In addition to her work with CFR, Jeri serves as a children’s teacher and media tech at LifePoint Christian Church. In her free time, she loves to ride motorcycles, go camping, and do anything water-related.

  • Alyse Hipes, Investor Services Representative

    Alyse Hipes

    Investor Services Representative

    Alyse joined CFR in 2018 following the recommendation of her daughter, Becca. Alyse recently completed the journey of homeschooling her children and is excited to begin a new chapter in her life with CFR. She has a bachelor’s degree from Abilene Christian University and is a retired Chiropractic Physician. Alyse has three grown children and serves as the women’s ministry leader at The Foundry Church in Winter Springs, Florida. She and her husband, Kevin, enjoy hosting a weekly small group Bible study in their home.

  • Becca Hipes, Loan Manager

    Becca Hipes

    Loan Manager

    Before joining the team in 2015, Becca graduated from Abilene Christian University with a degree in psychology. During her time at CFR, she has been part of both the loan and investment teams and now serves as loan manager. In this role, she oversees the loan department’s daily operations, closings, and takes part in underwriting and managing CFR’s growing portfolio. Becca has grown up attending The Foundry Church with her family. Outside of work, she enjoys reading, visiting theme parks, and tending to her succulent garden. 

  • Trina King, Project Administrator

    Trina King

    Project Administrator

    Trina Vassalotti King joined the CFR team in April 2018 to work on special projects and assist Dr. Jesse Kamm with construction servicing. Trina holds a degree in business marketing from Florida Atlantic University; her professional background is in event management and executive support. In her spare time, Trina enjoys painting, gardening, and coaching her daughter's cheer team. Trina and her husband, James, have three children: Alexis, Sophia, and JT. The King family attends Willow Creek Church in Winter Springs, Florida.

  • Roger Kitzmiller, Regional Vice President (NC & SC)

    Roger Kitzmiller

    Regional Vice President (NC & SC)

    Roger Kitzmiller joined the CFR ministry in September of 2019. He serves churches and ministries in North and South Carolina in his role as regional vice president. Roger has a long history in both ministry and education. In addition to serving at First Christian Church in Canton, Ohio and Journey Christian Church in Apopka, Florida, he has more than two decades of experience in public education and administration. Roger holds a bachelors degree and a masters degree from Kent State University. He and his wife, Christine, have four children and two grandchildren.

  • Thomas McSpadden, Controller

    Thomas McSpadden


    Thomas McSpadden joined the CFR ministry in 2019 as controller. He first served with CFR as an intern in 2011. After completing his internship, Thomas moved to New York City where he served with large accounting firms including PricewaterhouseCoopers and Ernst & Young. Thomas is a Certified Public Accountant and holds an accounting degree from the University of Central Florida. He attends Harborside Christian Church in Safety Harbor, Florida where he serves in the children’s ministry.

  • Kathi Medley, Accounting Manager

    Kathi Medley

    Accounting Manager

    Kathi came to work at CFR in December of 2015 with more than 25 years of experience in accounting. Today, in her role as accounting manager for CFR, Kathi is responsible for providing accurate and timely financial statements, reports, and reconciliations. She has a bachelor's degree in business administration from Kennedy Western University. Outside of CFR, Kathi sings in a mixed ensemble and choir, and plays in an advanced handbell choir. She enjoys spending time with her children and grandchildren, gardening, walking, reading, and looking for new adventures.

  • Tiffany Pawson, Vice President of Operations

    Tiffany Pawson

    Vice President of Operations

    Tiffany joined the CFR team in July of 2011 with years of previous experience working for a local credit union. She graduated with a degree in business administration from the University of Central Florida where her studies had a strong concentration on marketing and business writing. Tiffany attends Mosaic Christian Church in Winter Garden, Florida. She and her husband spend their free time traveling and they love being on the water.

  • David Powers, Regional Vice President (TN, GA, AL, MS)

    David Powers

    Regional Vice President (TN, GA, AL, MS)

    David Powers joined the CFR ministry in 2019 after 14 years as an executive pastor. David has roots in many Southern states; he grew up in Texas, graduated from high school in Florida, and attended Milligan College in Tennessee. He has lived and ministered in the Atlanta area since 1992. In his spare time, David enjoys gravel, mountain, and road cycling. He and his wife, Amy, have two teenage children.

  • Trent Renner, Regional Vice President (AZ, NV & NM)

    Trent Renner

    Regional Vice President (AZ, NV & NM)

    Trent Renner came to CFR in 2020 after spending 29 years in full-time ministry. During that time, he served as lead pastor for churches ranging from 25 to 25,000 in attendance in Kansas, Arizona, and Florida. In his work with CFR, Trent loves to promote the progress and purpose of the local church around the world. Outside of CFR, he serves as president of Return Hope International where he volunteers his leadership to support ministry in Bugiri Uganda, Africa. Trent and his wife, Kelli, are members of Christ’s Church of Fountain Hills, Arizona. They have four children.

  • Christina Rosario, Investor Services Representative

    Christina Rosario

    Investor Services Representative

    Christina joined the CFR team in the spring of 2019. Before coming to CFR, Christina worked in hospitality for almost 10 years—two of those as a supervisor—and also worked as a makeup artist for four years. She was born and raised in Florida and recently moved back to Deltona. Christina and her daughter, Marceline, love the beach and go there as often as they can. They attend Northland Church in Longwood, Florida.

  • Tim Stephens, Consultant

    Tim Stephens


    Tim is an Atlanta native and a graduate of Atlanta Christian College. He also holds an MBA from Georgia State University. After serving for four years in a preaching ministry in Kentucky, Tim moved to Florida where he assisted with new churches in West Palm Beach and Tampa. He spent almost a decade working with another church lender before joining the team at CFR in 2010. Tim and his beautiful wife, Amy, have four children: Grace, Drew, Zach, and Chloe. They attend and serve at Lakepoint Community Church in Eatonton, Georgia.

  • Suzi Suarez, Loan Services Representative

    Suzi Suarez

    Loan Services Representative

    Suzi joined the CFR team in January of 2018 and currently serves churches and ministries as a loan services representative. Her professional background is in business administration and marketing. Suzi was born in Pennsylvania; she moved to Central Florida in 1978 and currently resides in Apopka, where she attends Journey Christian Church. Suzi is passionate about her two dachshunds. She also enjoys going to the beach to relax and go shelling.

  • Nikki Vernon, Loan Services Representative

    Nikki Vernon

    Loan Services Representative

    Nikki came to CFR in 2018 after 14 years as a stay-at-home mom to her twin daughters. Nikki's professional background includes finance and administration in the medical industry, as well as teaching. A Florida native, Nikki worships at Grace Orlando, where she teaches three-year-olds, serves communion, and volunteers in the care and counseling ministry.

  • Jerod Walker, Regional Vice President (IL, MN, WI)

    Jerod Walker

    Regional Vice President (IL, MN, WI)

    In 2018, Jerod came to CFR from a leading church software provider. Jerod began serving as a pastor at the age of 19 while attending Central Christian College of the Bible in Moberly, Missouri, where he received his BA in Christian Ministries and Missions. Though an Illinois native, as an Army brat he lived in Arizona, Texas, California, Missouri, Wisconsin, and Germany. Jerod has been a children's pastor, family ministries pastor, and lead pastor. In 2011, he started Legacy Christian Church in Menomonee Falls, Wisconsin. Jerod and his Wisconsin-native wife, Joanne, were married in 1997. They live in Germantown, Wisconsin with their six children.

  • Ebony Williams, Investor Services Representative II

    Ebony Williams

    Investor Services Representative II

    Ebony joined CFR in July of 2013. She is from Altamonte Springs, Florida and attends Journey Christian Church in Apopka where she works in children’s ministry and helps mentor a group of young women. She is a coffee connoisseur and spends her free time designing, cooking, volunteering, going on mission trips, learning to play golf, and spending time in fellowship.

  • Jessica Wolfe, Office Assistant

    Jessica Wolfe

    Office Assistant

    Jessica serves as office assistant at CFR. She provides support to various departments, answers phones, and greets visitors to the CFR office. She is also responsible for preparing and distributing CFR materials for events, meetings, and presentations. In addition to her work with CFR, Jessica serves in the children’s ministry at her church. Jessica lives in the Orlando area with her husband, Shane, and their three children.

  • Keith Wood, Regional Vice President (IN & KY)

    Keith Wood

    Regional Vice President (IN & KY)

    Keith joined the CFR ministry team in May of 2017. He came to CFR from the International Conference on Missions (ICOM) where he served as the associate director. Prior to ICOM, Keith served at International Disaster Emergency Service (IDES), Mid-Atlantic Christian University (MACU) and with Christian Churches in the Eastern United States. He graduated from Mid-Atlantic Christian University with a BA in Practical Ministry and has also completed some graduate studies with Lincoln Christian University. Keith and his wife, Nicole, were married in 1991. They enjoy family trips, playing games and spending time together with their three children: Corbin, Brency, and Evan.