Term Notes

Earn more with short-and long-term investment options.

Cornerstone Fund Term Notes are one of the easiest ways to invest if you don’t need immediate access to your money—typically paying a higher interest rate* than a traditional, FDIC-insured savings or demand note account.

Apply Now

Couple Skiing


An easy way to earn more on your money.

Cornerstone Fund term notes are one of the easiest ways to invest if you don’t need immediate access to your money. Cornerstone Fund term notes can be opened for as little as $500.

Cornerstone Fund term note advantages

Five-year term notes of $10,000 or more can participate in the Giving Bonus Program, a program that rewards you with even higher interest rates when you designate at least 10% of your investment as a philanthropic gift (in your name) to a United Church of Christ ministry or organization. You’ll experience competitive interest rates* and the applicable tax benefits of this charitable gift. See our Offering Circular for details.

Invest in both your future and the future of the United Church of Christ

For as little as $500, you can apply for a three-month (to five-year) term note and earn competitive interest*. Plus, your investment helps the Cornerstone Fund offer low-cost loans to local United Church of Christ ministries and organizations for projects, including building purchases and construction; building renovations to improve accessibility or to reduce energy usage; enhanced community impact through affordable housing and/or multi-use property development, among others.

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 (4-year), and 60-month (5-year) terms. Interest rates are generally higher for longer-term, higher balance investments.

Get More Information