Investments/ Rates
Rates
Effective September 4, 2026
| Annual Yield (APY) | Simple Interest (APR) | Minimum Investment |
|---|
| Giving Fund | 4.60% | 4.50% | $2,000 |
| Demand Certificate (Ready Access) | 3.50% | 3.44% | $5,000 |
| 4.00% | 3.92% | $250,000 |
| 18 - Month Certificate* Information goes here |
4.30% | 4.21% | $25,000 |
| 3 – Year Certificate | 4.00% | 3.92% | $25,000 |
| 4.10% | 4.02% | $250,000 |
| 5 – Year Certificate | 4.10% | 4.02% | $25,000 |
| 4.20% | 4.11% | $250,000 |
| 7 – Year Certificate | 4.20% | 4.11% | $25,000 |
| 4.30% | 4.21% | $250,000 |
Demand Certificate (Ready Access)
This is a readily accessible demand investment that offers a rate of return with no early withdrawal penalties.
| Annual Yield (APY) | Simple Interest Compounded Daily | Minimum Investment |
|---|
| Demand Certificate | 3.50% | 3.44% | $5,000 |
| 4.00% | 3.92% | $250,000 |
Time Certificate
Our time investments provide the stability of a fixed rate throughout each term.
| Annual Yield (APY) | Simple Interest Compounded Daily | Minimum Investment |
|---|
| 18 month Certificate* | 4.30% | 4.21% | $25,000 |
| 3-Year Certificate | 4.00% | 3.92% | $25,000 |
| 4.10% | 4.02% | $250,000 |
| 5-Year Certificate | 4.10% | 4.02% | $25,000 |
| 4.20% | 4.11% | $250,000 |
| 7-Year Certificate | 4.20% | 4.11% | $25,000 |
| 4.30% | 4.21% | $250,000 |
*At maturity this certificate can be redeemed, rolled into a different certificate, or auto-renew into a 3-Year Certificate. Auto-renewal is not available to residents of California or Washington and will be as a Demand Certificate in Oregon. **Early redemptions are subject to an interest penalty. IRAs require a minimum initial investment of $25,000. Rates subject to change at any time.
Early redemptions for Time Certificates are subject to an interest penalty. Please note that this is neither an offer to sell nor a solicitation of an offer to buy Christian Financial Resources securities. Such an offer is made by an Offering Circular and only in those states where Christian Financial Resources securities may lawfully be offered or sold.
How to Invest
