Term Notes

Earn more for your ministry with term investment options.

One of the easiest ways to invest if your congregation don’t need immediate access to its money—many churches use term notes to earn more on capital campaign pledges or as a fixed income investment.

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An easy way to earn more on your organization’s investments

Cornerstone Fund term notes are one of the easiest ways to invest if your ministry doesn’t need immediate access to the funds. Many organizations use term notes to earn more on capital campaign pledges or as a fixed income investment, unrelated to the stock market. Cornerstone Fund term notes can be opened for as little as $500. Term notes are available in a variety of terms, from three months to five years.

Invest across a range of maturities to seek to earn even more

To earn even more on funds that need to remain accessible, consider an investment ladder —investing funds across a range of maturities to maintain liquidity and improve yield. Suppose your church maintains a $15,000 reserve fund. An appropriate ladder might invest $5,000 for a 12-month term, $5,000 for a 24-month term, and $5,000 for a 36-month term. Assuming the reserve isn’t needed when the 12-month investment matures, the funds can be reinvested at a 36-month term at the typically higher rates for longer-term investments repeating the process for the 24-month investment, assuring that funds will be maturing each year.

Such a ladder would provide an initial average investment yield similar to a 24-month investment — and after one year, with the rollover of the 12- and 24-month investments, the average yield would be equivalent to an 36-month rate, with funds maturing every 12 months. While laddering offers investors liquidity and the potential for yield enhancement in ever-changing markets, laddering may result in lower over-all yields in a falling interest rate environment.

Say hello to more cash. Every year.

When enrolled in the Cornerstone Fund’s Church Cashback Program as an active loan customer, you can earn up to $10,000 cash back each year! Receive cash back each year based on your loan and investment balances. Enroll today, receive your welcome packet, and then begin to invite your congregation to invest with the Cornerstone Fund personal investment options and they will simply designate your church on their investment applications. See you Welcome Packet for specific cash back calculations and restrictions.


Frequently Asked Questions

What is the minimum opening balance requirement?

A Cornerstone Fund Term Note can be opened for as little as $500.

How much interest does the account earn?

Cornerstone Fund Term Notes earn competitive* interest. Check out our current rates, and we encourage you to compare them to other financial institutions.

What are the monthly service charges?

There are no monthly service charges with Cornerstone Fund Term Notes.

How can I access my account?

You can easily access your account online. Enroll here.

What term lengths are available?

Term notes are available in 3-month, 6-month, 12-month (1-year), 24-month (2-year), 36-month (3-year), and 60-month (5-year) terms. Interest rates are generally higher for longer-term, higher balance investments.

How does my congregation enroll in the Church Cashback Program?

Investors (both individuals and organizations) can designate that their investment be counted toward your congregation. Enroll here and receive a Welcome Packet with all of the details.

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