Church Looking For A Money Market Account To Invest In

Church Investments

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

find a consultant

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	0.500%	0.50%	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	1.325%	1.33%	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, 2021.

Rates subject to change. Penalties may apply to redemptions prior to maturity.

This is not an offering to sell securities referred to herein and we are not soliciting you to purchase these securities. The offering is made only by the Offering Circular which includes risk factors. The Offering Circular may be obtained by writing or calling AGFinancial or by clicking here. AGFinancial investments are offered and sold only in states where authorized or exempt from authorization. Not available to new investors in Washington. Not available in Ohio.

Not FDIC or SIPC Insured. Not a Bank Deposit. No AGFinancial Guarantee.

AGFinancial is a DBA of Assemblies of God Loan Fund, an affiliated entity of Assemblies of God Financial Services Group.

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.

Try the Calculator

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.

Get Started

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.

Learn More

Monthly automatic investments can be made to Demand Certificates and Adjustable Rate IRAs through EFT. The minimum for each is $50 per month.

Download Form

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.

Investment Resources

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

Learn More