Impact Certificates
TMF Impact Certificates provide investors with positive returns* while growing churches and communities. When investing through TMF, you invest with a nonprofit organization dedicated to supporting the mission of the church.
TMF Impact Certificates grow the church while providing investors positive returns.*
IMPACT CERTIFICATE FOR CHURCHES
Stewarding Church Resources
TMF offers investment vehicles for churches, foundations, and non-profits that provide liquidity, fixed-rate returns, and asset appreciation potential. Our exceptional record of loan and investment management reflects our ability to partner with churches and agencies committed to achieving their God-appointed mission by investing wisely.
Rates for Churches, Foundations, and Nonprofits¹ Effective 12/01/24
| 1 yr. | 2 yr. | 3 yr. | 4 yr. | 5 yr. | |
|---|---|---|---|---|---|
| Rates | 4.40% | 4.00% | 3.80% | 3.70% | 4.00% |
| Annual Percentage Yield (APY) | 4.49% | 4.07% | 3.86% | 3.76% | 4.07% |
TMF Variable Rate Impact Certificate: December 1.00%
This rate is annualized and is subject to change on the first day of each month.
¹Fixed rates are set on a monthly basis.
IMPACT CERTIFICATE FOR CLERGY
Honoring Clergy
The Clergy Appreciation Rate honors pastoral leaders' invaluable service to their churches and communities. Active and retired clergy (deacon, elder, diaconal, or local) receive an additional 0.50% interest above rates to individual investors. This rate applies to all new and renewed investments in fixed-rate accounts made by clergy with their primary residence in Texas or New Mexico.
Rates for Clergy²
Individual clergy fund or IRA fixed rates
Effective 12/01/24
| 1 yr. | 2 yr. | 3 yr. | 4 yr. | 5 yr. | |
|---|---|---|---|---|---|
| Rates | 4.90% | 4.50% | 4.30% | 4.20% | 4.50% |
| Annual Percentage Yield (APY) | 5.01% | 4.59% | 4.38% | 4.28% | 4.59% |
Rate available to TMF Variable Rate Certificate investors for the month of December: 1.00%
This rate is annualized and is subject to change on the first day of each month.
²Fixed rates are set on a monthly basis.
IMPACT CERTIFICATE FOR INDIVIDUALS
Empowering Individuals to Grow Impact
TMF Impact Certificate for individuals provide much more than financial returns. The Individual Impact Certificate and Individual IRA Impact Certificate offers investors a unique opportunity for returns while also providing much-needed resources for churches and agencies to expand their ministry and have a positive impact in their communities.
Rates for Individuals³
Individual fund or IRA fixed rates
Effective 12/01/24
| 1 yr. | 2 yr. | 3 yr. | 4 yr. | 5 yr. | |
|---|---|---|---|---|---|
| Rates | 4.40% | 4.00% | 3.80% | 3.70% | 4.00% |
| Annual Percentage Yield (APY) | 4.49% | 4.07% | 3.86% | 3.76% | 4.07% |
Rate available to TMF Variable Rate Certificate investors for the month of December 1.00%
This rate is annualized and is subject to change on the first day of each month.
³Fixed rates are set on a monthly basis.
Get Started
Open an Account
Impact Certificate accounts are available for individuals, churches, foundations, nonprofits, and clergy. Accounts may be opened with an initial investment as low as $1,000. Impact Certificate accounts and Equity & Bond Investment accounts are available for churches and nonprofits.
