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

Church Projects

  • Adventure Christian Church - Tavares, FL

    Adventure Christian Church

    Tavares, FL

    If it weren’t for CFR, we never would have gotten into our new building. Our attendance was averaging 450 during snowbird season in a building that could only hold 150 per service. Something had to be done! Because of CFR, Adventure is now worshipping in its new structure that seats 450 per service, and hundreds will come to know the Lord because we were able to build it and get out of the way-too-small building we had been meeting in. We thank God for the people at CFR, and for their helpful spirit.

    -Doug Dykstra, Senior Minister

  • Central Christian Church

    St. Petersburg, FL

    God has truly blessed us at Central Christian Church. About six and a half years ago, we were $1.7 million in debt. Unable to pay our bills, we were having a difficult time finding a new bank willing to work with us. We were given a set amount of time before our then current bank would stop doing business with us. I had partnered with CFR years before, so I gave CFR a call. 

    Not only did we receive a loan, but CFR also assisted us with a capital campaign and helped lower our debt to $145,000. In our first year, we had over 450 first time visitors. We are meeting our budget needs, we increased our decisions, and attendance is running 75 more than what it was this time last year. Lives are being changed because CFR was willing to work with us when no one else would.

  • Christ Church of Winchester - Winchester, KY

    Christ Church of Winchester

    Winchester, KY

    Christ Church of Winchester for many years met in several rental spaces at a shopping plaza. The situation was less than ideal for the congregation, but they made it work. However, when a denominational church closed their doors, and the building became available the CCW leadership moved forward quickly to secure a loan to purchase the vacated building.

    Christian Financial Resources provided the loan for the purchase and helped them have a building of their own. Christ Church took possession on August 21, and the congregation held their first worship service on August 31. Since moving, there has been a significant increase in attendance and more families are being touched by the Lord. 

    Their new location is less than 4 miles from the shopping plaza where they held services. It is located on 3.6 acres and is visible from a 4 lane parkway. The building contains 18,480 sq. ft. which includes a sanctuary, full basement, gymnasium, 2 extra-large classrooms and 4-5 smaller ones, fellowship hall with full kitchen, storage rooms and offices. In addition to the main building, the property includes a picnic pavilion and ball field. The gym is used most weekday evenings by the church and the community.

    The new facility provides the increased needed space for CCW’s Genesis Academy, an educational program for special needs kids, to flourish and serve as a key outreach to the community. Thirty nine students are enrolled in this unique ministry.

  • Christ's Church - Jacksonville, FL

    Christ's Church

    Jacksonville, FL

    Partnering with Christ's Church in Jacksonville on it's first attempt at a satellite campus, CFR provided the financing to help construct a beautiful new facility in Fleming Island. This new campus will be anther tool to help reach people for Jesus Christ. At the first Sunday service at the Fleming Island campus, more than 900 people were in attendance.

  • Common Ground - Tampa, FL

    Common Ground

    Tampa, FL

    On September 9, 2007, Common Ground opened its doors officially to welcome the local community. Every tribe, tongue, and nation came to visit us on our opening day. Since then we have begun the re-establishment of a new work in the heart of the city. People are being baptized into Christ and becoming an active part of the body through study and service to God.

    I want to thank CFR for it’s help in this process. Common Ground could not have become a reality with out CFR's assistance.. The ability to leverage the equity of our facility helped us create an incredible tool for our neighbors. People have been amazed at the restoration of our campus.

    The Kingdom is being expanded due to CFR’s generosity and assistance to this inner city church.

  • Community Christian Church of Maryland - Nottingham, MD

    Community Christian Church of Maryland

    Nottingham, MD

    Community Christian Church in White Marsh, MD exists in a vibrant area north of Baltimore.  The church was started by Mountain Christian Church in 2006 and has been meeting in leased space all those years.  Even though it is one of the youngest Christian Churches in Maryland it is already the second largest in attendance. Recently the church located an office building available for purchase less than one mile from their leased space.  CFR provided a $2.5M loan to purchase and renovate the facility.  No longer will the church have to keep paying high lease payments on a property they will never own.  Thanks to CFR investors for helping this church plant go to the next level!

  • Eastern Pines Church of Christ - Greenville, NC

    Eastern Pines Church of Christ

    Greenville, NC

    Eastern Pines Church of Christ is a growing church located in Greenville, NC. In recent years the church renovated their facilities including the addition of a children’s playground. With the preaching of DJ Maxey the church has seen growth necessitating the need for expanded worship space. CFR is pleased to provide financing for a new worship auditorium that will accommodate up to 500. The church is located in an area that has many housing developments that should provide even more growth in this busy city in Eastern North Carolina.

  • Eglise Chretienne Haitienne de Palm Beach - West Palm Beach, FL

    Eglise Chretienne Haitienne de Palm Beach

    West Palm Beach, FL

    Dr. Prophete moved to Florida in 1994, and found some Haitians practicing the voodoo religion. He made several attempts to start a Christian church that eventually led to the birth of Eglise Chretienne Haitienne de Palm Beach. The congregation eventually purchased a four and a half acre property with a building that seats 200 people. CFR refinanced the church's initial loan which helped save more than $2,100 per month in interest. The church now plans on building a larger facility for worship, teaching, and education.

  • First Christian Church - Winter Park, FL

    First Christian Church

    Winter Park, FL

    CFR has helped us with our Christian school. A few years ago, we had an opportunity to purchase a building to expand our Christian education program both for our church and school. CFR assisted us in getting the necessary loan to swing the deal. With that loan Alpha Christian Academy has grown and now services students through eight grade. We have seen many students baptized into Christ along with teachers and parents. The school has helped the church grow in many ways Thanks CFR for your help.

  • Forefront Christian Church - Virginia Beach, VA

    Forefront Christian Church

    Virginia Beach, VA

    Forefront has been a mobile church in Virginia Beach, VA for well over a decade. The leadership decided it was time to have a permanent church home. After extensive consultation with CFR the leadership found an existing church building with an excellent location in the heart of one of the most densely populated areas of Virginia. CFR assisted the church with a capital campaign and has provided financing for the remainder of the purchase price and renovations. Forefront has seen immediate growth in this location and the staff is already planning to add a third worship time.

  • Generations Christian Church - Trinity, FL

    Generations Christian Church

    Trinity, FL

    As we prepared to relocate onto 30 acres in the rapidly growing area of Trinity in Pasco County, we investigated many loan sources. After a highly successful capital campaign, we decided to partner with CFR for the loan portion of our relocation budget. We changed our name, from First Christian Church of Tarpon Springs to Generations Christian Church, but we haven't changed our message.

    The relocation project consists of the construction of four buildings totaling 57,521 square feet. These buildings include a worship center with a 1,000 seat auditorium, as well as, a “Third Place” gathering room; a preschool and children's building; a youth building for middle and high school students; and, a maintenance building. All facilities will be used for God’s glory, and we thank Him for providing gifts from members and a loan from CFR to make this happen.

    -Hal Gumbiner, Finance Controller

  • Gulf Coast Church of Christ - Fort Myers, FL

    Gulf Coast Church of Christ

    Fort Myers, FL

    Gulf Coast church of Christ in Ft.Myers, FL has been blessed to enter into a partnership with Christian Financial Resources. In addition to reflecting the highest levels of integrity and professionalism, CFR has made us feel valued. We have never been just an account or debtor. They have worked with us every step of the way, helping us overcome internal obstacles, and accommodating procedures that are unique to our fellowship. Because of their help, our congregation expects to save almost $700,000 over the life of our loan. We would recommend Christian Financial Resources and their fine staff to any congregation interested in putting their finances on a firmer footing.

  • Harborside Christian Church - Safety Harbor, FL

    Harborside Christian Church

    Safety Harbor, FL

    CFR provided $ 4.95 million in permanent financing for our new home in Safety Harbor on the northwest side of Tampa Bay. We are a body of 1,250 faith filled folks who love Jesus Christ and are working to lead people into a growing relationship with Him. We still find it a little hard to believe that we were able to purchase 40 acres of virgin land in the heart of Pinellas County. Our dream has been realized: Worshiping each week in an awesome 56,000-square-foot facility which God provided. God is good all the time!

    -Dean McSpadden, Business Administrator

  • Harpeth Community Church - Franklin, TN

    Harpeth Community Church

    Franklin, TN

    In May 2012, Harpeth leaders made the decision to table discussions on a new Praise and Worship Center in order to focus on quality relational discipleship. A year and a half later, by God’s grace, they found themselves operating from a position of solid unity and alignment.

  • Islands Christian Church - Savannah, GA

    Islands Christian Church

    Savannah, GA

    Islands Christian Church has grown from an average worship attendance of 200 to 300 the last two years.  With the new growth has come more income.  The church desired to pay off their loan and become debt free but worried about using up all of their reserves.  CFR provided them a line of credit so that they could pay off their current lender in full.  Islands has not yet had to use the line of credit but knowing it was available allowed them to become debt free for the first time in almost two decades.

  • Joppatowne Christian Church - Joppa, MD

    Joppatowne Christian Church

    Joppa, MD

    Joppatowne Christian Church in Joppa, MD needed a flexible financial ministry partner to help them with the retirement transition of their long-time senior minister.  The church was seeking a line of credit to ensure a young new minister the funds would be in place to fund their operations the next several years.  CFR came through with a $150k line of credit to give the church leadership peace of mind.  

  • Journey Christian Church - Apopka, FL

    Journey Christian Church

    Apopka, FL

    As we relocated to our brand new facility and prepared to welcome hundreds of people into our Sunday morning worship service we were extremely tight financially. CFR loaned us $750,000 which was what we still needed to make everything come together. Aided by those additional funds over the last 14 months Journey Christian Church has welcomed nearly 400 new members into our fellowship.

    Our average worship attendance has grown from 700 to 1350. Life-changing decisions are being made with inspiring frequency as people are baptized, connected in small groups, and equipped to serve. Giving has increased by approximately 40% and our financial future is solid. We are so thankful for CFR’s timely assistance.

  • Lake Aurora Christian Camp - Lake Wales, FL

    Lake Aurora Christian Camp

    Lake Wales, FL

    Being the oldest cooperative ministry among our churches in Florida has allowed us to talk with many local and national lending organizations through the years. Only CFR has been willing (and even anxious) to step up and help us in the way we needed help. They have not only allowed us to accomplish our mission, but they have also been one of our biggest cheerleaders. Because CFR is willing to link with Lake Aurora in its mission, God is glorified, the Kingdom grows and all the churches benefit.

  • Palm Bay Christian Church - Palm Bay, FL

    Palm Bay Christian Church

    Palm Bay, FL

    CFR provided a loan to Palm Bay Christian Church (PBCC) in 1987 and had the exciting opportunity to re-partner more than 20 years later. CFR refinanced the church’s existing note and provided additional funds for a capital campaign and building renovations. "Partnering with CFR allowed PBCC to accelerate several ministry opportunities that will position us for growth for the next few years," said Alan Tison the lead pastor. "The staff at CFR are both knowledgeable and thoroughly equipped to help churches fulfill their mission of reaching people for Christ. We would have no hesitation regarding referring others to CFR or using CFR in the future."

  • Poinciana Christian Church - Kissimmee, FL

    Poinciana Christian Church

    Kissimmee, FL

    It's a great privilege (and a lot of fun) to serve a church in a fast-growing area like Kissimmee. My wife and I often joke that the landscape changes around here week by week. Trees are cleared, old buildings are knocked down, and new ones rise out of the dirt every few days. And the new homes! They’re springing up faster than the weeds in my garden! Obviously, all of this translated into incredible opportunities for the church. But what church has all the funds it needs to buy land and build facilities adequate for the challenge? Without CFR we would not have been able to realize our vision and our dreams.

    -Mark Atteberry, Senior Pastor

  • River Run Christian Church - Chuluota, FL

    River Run Christian Church

    Chuluota, FL

    River Run Christian Church was planted in 1999 on the east side of Orlando. CFR provided the funds for the church’s property purchase and the construction of the new worship facility. Since moving into the new facility nearly 100 people have committed their lives to Christian baptism. River Run Christian Church has also gone from 500 on average in weekly attendance to over 1000. We could not have done it without the resources and ministry of CFR.

    -Mike Andriano, Senior Minister

  • Roanoke Christian Service Camp - Washington, NC

    Roanoke Christian Service Camp

    Washington, NC

    Roanoke Christian Service Camp is a vital ministry serving churches throughout eastern North Carolina. Located in beautiful Washington, NC the camp has a panoramic view of the Pamlico River. Over several decades the camp has served thousands of youth through summer programming, retreats, etc. The camp was renovating some of the infrastructure for waste water and dreaming of further improvements. CFR provided a long term line of credit in order to provide maximum flexibility for their needs.

  • Salt Springs Christian Church - Ocala, FL

    Salt Springs Christian Church

    Ocala, FL

    Salt Springs Christian Church has been a partner with CFR for many years. They’re located in the Ocala National Forest on County Road 316, just west of the intersection of State Road 19. If you ever visit, you’ll find a group of the kindest, most welcoming people you’ll ever meet. Recently, CFR provide a small loan to help the church replace several layers of roofing dating back to the Truman administration. Now the friendliest folks in the forest can worship without worrying about getting wet!

  • Salty Ministries - Ormond Beach, FL

    Salty Ministries

    Ormond Beach, FL

    Salty Ministries was planted in 2005 with the help of Tomoka Christian Church. Less than two years later, Salty Ministries is now fully independent, holding its first service in its new facility on Easter. The church currently runs three worships services while ministering to more than 800 in attendance weekly.

  • Snellville Christian Church - Snellville, GA

    Snellville Christian Church

    Snellville, GA

    Snellville was in a bond program than called for them to pay almost 40% of their monthly income to the bond company.  CFR offered Snellville a 10-year fixed rate loan which freed up almost $50,000 a year in cash flow and cut the church’s interest rate at the same time.

  • Starratt Road Christian Church - Jacksonville, FL

    Starratt Road Christian Church

    Jacksonville, FL

    We, at Starratt Road Christian Church, have been blessed by the CFR ministry. CFR provided the original loan to our "mother church" (North Shore). That loan was transferred to us, and CFR has provided three additional loans. The latest venture was a family center and the remodeling of our existing buildings. Our church has also invested it savings with CFR to benefit other churches the way they have supported us over the years. Many of our members have invested their savings and IRA's to assist this great ministry. It has been a real blessing to us and we look forward to working with them in the future.

    -Allan J. McMillan, Minister

  • Swiss Cove Christian Church - Jacksonville, FL

    Swiss Cove Christian Church

    Jacksonville, FL

    CFR partnered with Swiss Cove Christian Church by refinancing the church's existing note. CFR provided a lower interest rate plus additional funds were available for the church to complete long awaited renovations. Swiss Cove Christian Church is a thriving community ministering to more than 450 weekend worshipers.

  • Westside Christian Church - Springfield, IL

    Westside Christian Church

    Springfield, IL

    West Side’s roots go back to 1901 when a group of believers first gathered at State & Edwards, not far from downtown Springfield, Illinois. The church continued to grow at that location into the 1990s. After a bold 3-year transition as a tenant at Springfield High School, West Side occupied a new facility at their current site. Since then, attendance has nearly tripled, as a growing number of people have met Jesus and embraced the vision of participating in a healthy, biblical church.

  • Whitewater Crossing - Cleves, OH

    Whitewater Crossing

    Cleves, OH

    CFR has partnered with Whitewater Crossing to provide the loan for their Phase 2 expansion. Anticipating their attendance to average 2,100 by 2016, their current 42,000 square foot building is inadequate in the adult worship and children’s areas to support such growth. The expansion project will include the construction of additional facilities for an adult worship space that accommodates at least 1,200 in one gathering, additional kids and student worship and classroom space, and enough parking capacity to accommodate the applicable number of cars at one gathering.

  • Woodstock Christian Church - Woodstock, GA

    Woodstock Christian Church

    Woodstock, GA

    The church had a god loan with a good regional lender.  But due to CFR’s competitive interest rates the church was about to save more than $5000 per year in interest on the refinance of $350,000 and will pay off their loan in full in just a few years.