Churches can invest in 2 types of accounts at MCIF: Church Reserve and Investment Certificates.
Church Reserve accounts earn a competitive interest rate and allow churches flexibility for deposits and withdrawals. Churches can make additional deposits and can withdraw* funds upon written demand. The current rate for Church Reserve accounts is 3.75%.
Investment Certificates pay a fixed rate of interest over a fixed length of time. Churches can choose from a 1, 2, or 3-year term, with a minimum investment of only $1,000. Our current rates on Investment Certificates are:
| Term | Rate |
| 1 year | 5.00% |
| 2 years | 4.00% |
| 3 years | 4.00% |
Investment Certificates contain a provision for early withdrawal penalty if you withdraw funds before the certificate matures. Withdrawal requests must be made in writing. Funds can be reinvested or withdrawn (without penalty) at maturity. Funds can be reinvested or withdrawn (without penalty) at maturity.
To invest with MCIF:
Step 1: Confirm your eligibility.
Verify that your church is located in one of the 16 states MCIF operates in
| California | Idaho | Kansas | Minnesota | New York | Pennsylvania |
| Florida | Iowa | Kentucky | Montana | N Carolina | S Carolina |
| Georgia | Illinois | Massachusetts | Nebraska | Ohio | Tennessee |
| Hawaii | Indiana | Michigan | New Jersey | Oregon | Texas |
Verify that you are an official church, member or affiliate organization of the Missionary Church
Step 2: Download and read the Offering Circular for the state in which you reside
Step 3: Step 3: Download, complete, and physically sign the appropriate application
Step 4: Send your completed and physically signed application with check to:
Missionary Church Investment Foundation
PO Box 9127
Fort Wayne, IN 46899-9127
Step 5: Receive acknowledgement within a week.
*Applicable withdrawal/redemption procedures are contained in the Offering Circular and include risks of repayment. Certain redemption procedures may delay the immediate repayment of proceeds from Church Reserve Accounts and Investment Certificates. See page 19 of the Offering Circular.
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