Ministry Lending

Save Money with Low-Rate Church Loans

Our commercial real estate and ministry loans are designed to meet your church’s financing needs, no matter what they are.

Whether your ministry is a church, mission-sending organization, school, college or para-church organization, we consider ourselves a part of your project team, dedicated to serving you so we can all reach the same goal.

Benefits of Working With Us

Creative Lending Solutions

Our seasoned ministry lending team knows that no two loans are alike. That's why we take time to listen to your vision, mission, and objective before exploring possible options that will best help meet your ministry’s needs. We operate with the understanding that to do so is in your best interest.

Meet one of our Ministry Development Officers, Jeremy Brown

Exceptional Service

Our goal is to deliver exceptional service because anything less is not acceptable. We will:

  • Clearly set the expectations of all parties involved so the loan process is as smooth as possible
  • Keep you fully informed every step of the way
  • Respect your project timelines and will process your loan as quickly as possible

Our customized ministry loan programs can help your church or ministry build, expand, purchase a facility, or refinance existing debt at lower rates. Whatever your borrowing needs may be, we can lend a hand.

Account Types

Ministry Real Estate Loans

  • Refinance
  • Purchase
  • Construction
  • Remodel
  • Expansion
  • Amortization: up to 25 years
  • Term: 3, 5, 7, or 10 years
  • 30% down payment on purchases
  • 25% borrower contribution on construction loans
  • Lower monthly payments
  • Loan terms that promote stewardship
  • Leverage assets for ministry expansion
  • Competitive fixed-rate options
  • Uniquely designed loans
  • No pre-payment penalty

Ministry Lines of Credit

If your ministry is experiencing a downturn in donations or giving during the summer months, a line of credit from the credit union can help. Our Ministry Line of Credit programs are designed to help our members weather the seasonal ups and downs of ministry.

  • Temporary relief from seasonal fluctuations in giving
  • Temporary funding for events
  • Secured Payment: the higher of 1.50% of balance or $15
  • Unsecured Payment: Interest Only with Clean Up Clause
  • Construction
  • Term: up to 5 years if secured, annual if unsecured
  • Points: Zero
  • Annual Fee may apply
  • Manage cash flow fluctuations
  • Select secured or unsecured option
  • Competitive variable rates
  • Automatic payment option
  • No pre-payment penalty

Share Secured Loans

Our Shared Secured Loans give ministries the option of borrowing against funds it currently has on deposit with the credit union, at excellent rates. This money helps you direct more money back to your ministry. 

Ideal for
  • Ministries without real estate to collateralize
  • Short- to mid-term need for funds
  • Excellent alternative to unsecured loan
  • Amortization: up to 10 years
  • Amount Financed: 100% of Savings Deposits
  • Amount Financed: 90% of Certificate
  • No points or fees
  • Fully amortized
  • Lower rates than unsecured loans
  • Flexible amortization
  • No pre-payment penalty

Term Loans

Sometimes your ministry needs funds, quickly. That’s where our term loans can help. With competitive interest rates and no collateral required, term loans provide a faster alternative to real estate secured loans. And, because they typically carry shorter terms, you save money on interest too.

  • Short term financing
  • Unexpected expenses
  • Disaster Relief
  • Amortization: up to 10 years
  • Term: up to 5 years
  • Points: 1.00%
  • Unsecured
  • Faster funding
  • Lower cost
  • Competitive rates
  • No pre-payment penalty

Vehicle Loans

We offer vehicle loans with flexible terms and a discounted rate option. One of our vehicle loan programs can help your ministry purchase the shuttle, bus, or other vehicle it needs.

  • Vehicle purchase
  • Vehicle loan refinance
  • Amortization: up to 7 years
  • Amount Financed: up to 80% of the vehicle's value and up to 20% of the ministry’s average annual income
  • Rate discount with payments made by automatic payment
  • No pre-payment penalty

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