Individual Certificates
Our cash management services offer attractive yields maximizing the return on your investment . With a minimum starting balance of $2,500 and term options ranging from daily cash to investment durations of three months to five years, Church Expansion Certificate (“Certificate”) investments have become an effective way to make the most of your funds. Certificate investments are available to a qualified class of Texas churches, ministries, and individuals.
Certificate investments are unique because they are used only to fund church loans for construction, remodeling, and refinancing. Certificates are offered by Offering Circular only and are subject to certain risk factors described in the Offering Circular.
Certificate Rates
Certificate Length APY
Daily 2.50%
3 Month 3.20%
6 Month 3.40%
7 Month Promo 4.10%*
9 Month 3.60%
11 Month Promo 4.20%*
1 Year 3.75%
2 Year 4.00%
3 Year 4.25%
5 Year 4.50%
Open an account with as little as $2,500.
Rates quoted as annual yield (APY). Church Expansion Certificate investments are available to a qualified class of Texas churches, ministries, and individuals. Certificate yields are quoted as annualized and paid to the account monthly.
*Promotional Certificates will auto-renew as a Daily Certificate at the current APY unless the client provides other instructions before renewal. Promotional certificates are available through 5-31-25.
Please note that this is neither an offer to sell nor a solicitation of an offer to buy Southern Baptists of Texas Foundation securities. Such an offer is made by an Offering Circular and only in those states where Southern Baptists of Texas Foundation securities may lawfully be offered or sold. Southern Baptists of Texas Foundation securities are subject to certain risk factors as described in the Offering Circular and are not F.D.I.C. or S.I.P.C. insured nor are they denominationally guaranteed. Southern Baptists of Texas Foundation securities are not bank deposits. NOTE: Southern Baptists of Texas Foundation has the right to call Certificates for redemption at any time upon sixty (60) days written notice. In such event, interest will be paid on the date of redemption.