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.
Rates subject to change after the last day of the month
* APY= Annual Percentage Yield
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
2.60%
2.63%
6 - 11 Months
2.85%
2.88%
12 - 23 Months
3.60%
3.65%
24 - 59 Months
4.20%
4.27%
60 Months
3.95%
4.01%
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
3.20%
3.24%
5-Year Fixed Rate Jumbo
4.25%
4.32%
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
2.95%
2.98%
2-1/2 Years
3.20%
3.24%
5 Years
3.75%
3.80%
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
Ministry Workers Special
Ministry Workers receive the top tier interest rate!
TERM
RATE
APY*
< $10,000
1.70%
1.71%
< $25,000
1.85%
1.87%
< $150,000
2.10%
2.12%
<$500,000
2.45%
2.48%
≥ $500,00 & Ministry Workers
2.75%
2.78%
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%
Ministry Reserve Note
Term
5-Year Variable rate, adjusted annually.
Minimum Investment Amount
$100,000 to open and receive a premium rate
Eligible
These Investments are eligible for Operating, Endowment, and Foundation Funds
TERM
RATE
APY*
5-Year
4.35%
4.42%
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
3.10%
3.14%
2-Years
3.95%
4.01%
5-Years
4.20%
4.27%
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
3.20%
3.24%
5-Year Fixed Rate Jumbo
4.25%
4.32%
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
3.00%
3.03%
2- Year
3.25%
3.29%
5- Year
3.80%
3.85%
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
1.70%
1.71%
<$25,000
1.85%
1.87%
<$150,000
2.10%
2.12%
<$150,000
2.45%
2.48%
≥ $500,000
2.75%
2.78%
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!
