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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Variable rates and yields subject to change after account opening. Rates effective as of today. Rates last updated January 3, 2023. Fees may reduce earnings on share accounts.
Checking
| Product | Minimum Deposit to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY | Rate Type | Compounded / Paid |
|---|---|---|---|---|---|---|
| Ministry Checking | $100 | N/A | N/A | N/A | N/A | N/A |
| Corporate Checking | $100 | $1,500 | 0.05% | 0.05% | Variable | Monthly |
Savings
| Product | Minimum Deposit to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY | Rate Type | Compounded / Paid |
|---|---|---|---|---|---|---|
| Regular Share/Savings | $0 | $100 | 0.10% | 0.10% | Variable | Quarterly |
Money Market Accounts
| Product | Minimum Deposit to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY | Rate Type | Compounded / Paid |
|---|---|---|---|---|---|---|
| Tier 1 | $2,5001 | $2,500 - $49,999.99 | 0.90% | 0.90% | Variable | Monthly |
| Tier 2 | - | $50,000 - $99,999.99 | 1.00% | 1.00% | Variable | Monthly |
| Tier 3 | - | $100,000 - $249,999.99 | 1.10% | 1.11% | Variable | Monthly |
| Tier 4 | - | $250,000 and up | 1.50% | 1.51% | Variable | Monthly |
1 – If the balance falls below $2,500, the rate drops to the Regular Share/Savings rate of 0.10% APY
Term Share Certificates
Certificates are subject to a penalty for early withdrawal
| Term | Minimum Deposit to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY | Rate Type | Compounded / Paid | Maximum Balance | Special Terms |
|---|---|---|---|---|---|---|---|---|
| 3 Month | $1,000 | $1,000 | 1.60% | 1.61% | Fixed | Monthly | - | - |
| 6 Month | $1,000 | $1,000 | 2.50% | 2.53% | Fixed | Monthly | - | - |
| 9 Month | $1,000 | $1,000 | 2.60% | 2.63% | Fixed | Monthly | - | - |
| 12 Month | $1,000 | $1,000 | 3.50% | 3.56% | Fixed | Monthly | - | - |
| 18 Month | $1,000 | $1,000 | 3.25% | 3.30% | Fixed | Monthly | - | - |
| 24 Month | $1,000 | $1,000 | 3.25% | 3.30% | Fixed | Monthly | - | - |
| 36 Month | $1,000 | $1,000 | 3.35% | 3.40% | Fixed | Monthly | - | - |
| 48 Month | $1,000 | $1,000 | 3.40% | 3.45% | Fixed | Monthly | - | - |
| 60 Month | $1,000 | $1,000 | 3.55% | 3.61% | Fixed | Monthly | - | - |
| Special Offerings | ||||||||
12 Month New Member | $1,000 | $1,000 | 3.93% | 4.00% | Fixed | Monthly | $10,000 | For new members only. Certain restrictions apply. Learn more. |
| 10 Month New Money | $20,000 | $20,000 | 3.93% | 4.00% | Fixed | Monthly | $5,000,000 | New money only. Learn more. |
Credit Cards
| Card Type | APR |
|---|---|
| Visa® Ministry Rewards Card | 12.90% |
| Visa® Business Rewards Card | 12.90% |
Loans
| Product | Average APR | Loan Maximum |
|---|---|---|
| Church Loans | Contact us for details | Contact us for details |
| Office Building Lending | Contact us for details | Contact us for details |
| Multifamily Housing Loans | Contact us for details | Contact us for details |
