Ministry Lending

Click Here to download our FREE Guide - 8 Easy Steps to Your Ministry Loan

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.

Contact The Ministry Development Group

Call us at 800.347.CCCU (2228), ext. 6216
Contact us online

Your Church Loan Specialists

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.

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.

Meet one of our Church Loan Specialists, Jeremy Brown

Bank with a partner who shares your values

Account Types

Ministry Real Estate Loans

Purpose

Refinance
Purchase
Construction
Remodel
Expansion

Terms

Amortization: up to 25 years
Term: 3, 5, 7, or 10 years
30% down payment on purchases
25% borrower contribution on construction loans

Benefits

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.

Purpose

Temporary relief from seasonal fluctuations in giving
Temporary funding for events

Terms

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

Benefits

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

Terms

Amortization: up to 10 years
Amount Financed: 100% of Savings Deposits
Amount Financed: 90% of Certificate

Benefits

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.

Purpose

Short term financing
Unexpected expenses
Disaster Relief

Terms

Amortization: up to 10 years
Term: up to 5 years
Points: 1.00%

Benefits

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.

Purpose