Chrisitan Financial Resouces, INC.

Type Annual Yield (APY) Minimum Investment Effective Date
Ready Cash 2.00% $2,000* 01/01/2018
2.25% $100,000 01/01/2018
2.50% $250,000 01/01/2018
3-Year Certificate** 3.00% $10,000 01/01/2018
3.10% $100,000 01/01/2018
3.20% $250,000 01/01/2018
5-Year Certificate** 3.30% $10,000 01/01/2018
3.40% $100,000 01/01/2018
3.50% $250,000 01/01/2018
7-Year Certificate** 3.60% $10,000 01/01/2018
3.70% $100,000 01/01/2018
3.80% $250,000 01/01/2018
Flexible Certificate** Negotiable % $1,000,000 01/01/2018
*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.  

  • Tim Stephens, Chief Development Officer

    Tim Stephens

    Chief Development Officer

    Tim serves as chief development officer at CFR. He 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, GA.

  • 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, Vice President of Construction Management

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

    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.

  • Malcolm Puckett, Senior Regional Vice President (NC & VA)

    Malcolm Puckett

    Senior Regional Vice President (NC & VA)

    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.

  • Sharon Allegro, Investor Services Representative

    Sharon Allegro

    Investor Services Representative

    Sharon joined CFR in September of 1994 and she currently serves as an investor services representative. Before joining the ministry, Sharon worked for State Farm Insurance’s home office in Winter Haven, Florida. She has also worked in the loan department at First Union Bank. Sharon and her husband Ron, have two children: Stacey and Ronnie.

  • 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, Director of Legacy Giving

    Bill Behrman

    Director 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 30 years. They have two grown children: Keli Ball of Gainesville, and Kresten, a student at Johnson University Florida. Bill and Cheryl are members of First Christian Church of Kissimmee. 

  • Heidi Bruno, Controller

    Heidi Bruno


    Heidi has served with CFR since the fall of 2014. She holds a Bachelor’s degree in Finance and Management from the University of Florida and a Masters of Accounting from Florida Atlantic University. Prior to joining the CFR ministry, Heidi worked in the financial industry where she provided lending and investment solutions to companies and individuals. Heidi has also taught undergraduate accounting courses for Christian universities.

    Heidi and her husband, Anthony, enjoy traveling and a good cup of coffee. Their sons, Christopher and Matthew, keep them very busy.

  • Samantha Crawford, Investor Services Representative

    Samantha Crawford

    Investor Services Representative

    Samantha joined CFR in February of 2016 after being referred by her pastor. In her role as investor services representative, she 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.

  • Jeri Graumlich, Loan Services Representative

    Jeri Graumlich

    Loan Services Representative

    Jeri joined the CFR team in March of 2016. In her role, she opens new loans and provides customer service for CFR’s borrowing churches. 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.

  • Larry Green, Campaign Consultant

    Larry Green

    Campaign Consultant

    Larry has worked in the area of church finance since 1999, serving the capital stewardship development needs of churches, Christian schools, colleges, para-church organizations, and camps across America and Canada. Today he serves as campaign consulant for Christian Financial Resources. Larry graduated from Johnson University in Knoxville, Tennessee, helped establish Christ In Youth, ministered at Southern Acres Christian Church in Lexington, and served for 19 years at Johnson University.

    Larry lives and works in Indiana with his wife, Myra, who has taught English, ESL, and theatre. Larry and Myra have one married son, Jeff, who lives in Oklahoma.

  • Becca Hipes, Loan Services Representative

    Becca Hipes

    Loan Services Representative

    Becca began working at CFR in January of 2015. She received a Bachelor’s degree in Psychology from Abilene Christian University in Abilene, Texas. Becca has grown up attending Metro Church in Winter Springs. During her free time she enjoys reading adventure books, watching movies with friends, and exploring historic downtown Sanford.

  • Kathi Medley, Accounting Services Representative

    Kathi Medley

    Accounting Services Representative

    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 Services Representative for CFR, Kathi is responsible for providing accurate and timely financial statements, reports, and reconciliations. She also completes the process of recording investments and redemptions. Outside of CFR, Kathi sings in a mixed ensemble and choir, and plays in an advanced handbell choir.

  • Tiffany Pawson, Operations Manager

    Tiffany Pawson

    Operations Manager

    Tiffany joined the CFR team in July of 2011. She came to CFR as a recent graduate from the University of Central Florida with a degree in Business Administration. Her studies had a strong concentration on marketing and business writing. Tiffany is a member of Journey Christian Church in Apopka and spends her free time cooking, bowling, and laughing with her awesome family and friends.

  • Ebony Williams, Investor Services Representative

    Ebony Williams

    Investor Services Representative

    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 Wood 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.  

  • Terry Wuske, Regional Vice President (OH, MI & PA)

    Terry Wuske

    Regional Vice President (OH, MI & PA)

    Terry has served as regional vice president for CFR since 2015. After being honorably discharged from the U.S. Navy in 1975, Terry earned his Bachelor’s and Master’s degrees from Cincinnati Christian University. Terry served for 19 years in various pastoral and administrative roles at three churches in the state of Ohio. He has also held positions with American Express, the NACC, and CDF. Terry is a detailed consultant who brings a passion for the health of the local church to CFR.

    Terry and his wife, Shirley, have two adult sons, Brandon and Jonathan, and a black lab named Bruno.