Ministry Lending

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

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

Save Money with Low-Rate Church Loans! As low as 2.85%

Download our FREE guide on “8 Easy Steps to Your Ministry Loan” ▸

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. Please click here to see our Ministry Lending FAQs.

Meet one of our Church Loan Specialists, Jeremy Brown

Bank with a partner who shares your values

Account Types

Ministry Real Estate Loans

Purpose	Terms	Benefits
Refinance Purchase Construction Remodel	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.

Purpose	Terms	Benefits
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

Shared 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	Terms	Benefits
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.

Purpose	Terms	Benefits
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.

Purpose	Terms	Benefits
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