INTEREST RATES
At Church Extension Fund, your investments do not just earn interest - they help build churches! We offer a variety of products with varying terms and access options. Finding the right investment product is simple!
Below are Interest Rates for Individual Investors and Congregational & Organizational Investors. Please click on the type of investor you are for interest *Rates subject to change after the last day of the month*
FIXED RATE NOTES
Interest Rate
Interest rate fixed for the entire term. Rates are set monthly, and interest is compounded quarterly
Minimum Investment Amount
$500
Eligible
This investment is eligible for use in an Individual Retirement Account (IRA)
TERM
RATE
APY*
3 - 5 Months
2.50%
2.52%
6 - 11 Months
2.75%
2.78%
12 - 23 Months
4.30%
4.37%
24 - 59 Months
3.00%
3.03%
60 Months
3.50%
3.55%
SPECIAL FIXED RATE NOTES
Interest Rate
Interest rate fixed for the entire term. Rates are set monthly, and interest is compounded quarterly
Minimum Investment Amounts
$2,500 for Fixed Rate 2+2
$100,000 for Jumbo
Eligible
This investment is eligible for use in an Individual Retirement Account (IRA)
TERM
RATE
APY*
17-Month Fixed Rate 2+2
3.00%
3.03%
5-Year Fixed Rate Jumbo
4.40%
4.47%
VARIABLE RATE NOTES
Interest Rate
Interest Rate is subject to changes throughout the term. Rates are set monthly and compounded quarterly
Minimum Investment Amount
$500 - Additions of $100 or more allowed during the term of the note
Eligible
This investment is eligible for use in an Individual Retirement Account (IRA)
TERM
RATE
APY*
1 Year
2.60%
2.63%
2-1/2 Years
2.85%
2.88%
5 Years
3.20%
3.24%
EXTENSION PLUS ACCOUNTS
Interest Rate
Interest rate is determined by the account balance. Rates are set monthly and interest is compounded monthly
Minimum Investment Amount
$100 to open and maintain account
TERM
RATE
APY*
< $10,000
1.35%
1.36%
< $25,000
1.55%
1.56%
< $150,000
2.05%
2.07%
≥ $150,000
2.20%
2.22%
DEMAND SAVINGS CERTIFICATES
Interest Rate
Interest rate is determined by the account balance. Rates are set monthly and interest is compounded monthly
Minimum Investment Amount
$5.00
Eligible
This investment is eligible for use in an Individual Retirement Account (IRA)
TERM
RATE
APY*
< $100
0.40%
0.40%
< $1,000
0.50%
0.50%
< $10,000
0.60%
0.60%
≥ $10,000
0.80%
0.80%
CONGREGATION & ORGANIZATION FIXED RATE NOTES
Term
Interest rate fixed for the entire term. Rates are set monthly and interest is compounded quarterly
Minimum Investment Amount
$500
Eligible
These Investments are eligible for Operating, Endowment, and Foundation Funds
TERM
RATE
APY*
1-Year
3.00%
3.03%
2-Years
4.30%
4.37%
5-Years
3.50%
3.55%
CONGREGATION & ORGANIZATION SPECIAL FIXED RATE NOTES
Interest Rate
Interest rate fixed for the entire term. Rates are set monthly and interest is compounded quarterly
Minimum Investment Amount
$2,500 for Fixed Rate 2+2
$100,000 for Jumbo
Eligible
These Investments are eligible for Operating, Endowment, and Foundation Funds
TERM
RATE
APY*
17-Month Fixed Rate 2 + 2
3.00%
3.03%
5-Year Fixed Rate Jumbo
4.40%
4.47%
CONGREGATION & ORGANIZATION VARIABLE RATE NOTES
Interest Rate
Interest Rate is subject to changes throughout the term. Rates are set monthly and compounded quarterly
Minimum Investment Amount
$500 - Additions of $100 or more allowed during the term of the note
Eligible
These Investments are eligible for Operating, Endowment, and Foundation Funds
TERM
RATE
APY*
1- Year
2.65%
2.68%
2- Year
2.90%
2.93%
5- Year
3.25%
3.29%
CONGREGATION & ORGANIZATION EXTENSION PLUS
Interest Rate
Interest rate is determined by the account balance. Rates are set monthly and interest is compounded monthly
Minimum Investment Amount
$100 to open and maintain account
Eligible
These Investments are eligible for Operating, Endowment, and Foundation Funds
TERM
RATE
APY*
<$10,000
1.35%
1.36%
<$25,000
1.55%
1.56%
<$150,000
2.05%
2.07%
≥$150,000
2.20%
2.22%
CONGREGATION & ORGANIZATION DEMAND SAVINGS CERTIFICATES
Interest Rate
Interest rate is determined by the account balance. Rates are set monthly and interest is compounded monthly
Minimum Investment Amount
$500
Eligible
These Investments are eligible for Operating, Endowment, and Foundation Funds
TERM
RATE
APY*
<$500
0.45%
0.45%
<$1000
0.55%
0.55%
<$10,000
0.65%
0.65%
≥$10,000
0.85%
0.85%
Automated Loan Payments
Congregational borrowers can set up automatic loan payments from their CEF Demand Savings/Extension Plus account or local bank. Use Electronic Transfer to skip check-writing and ensure timely payments!
Online Access
Login to Manage Your Accounts
Use CEF's Online Portal to view, manage, and even purchase new investments!
