When you invest with CDF, you do more than earn interest – you provide funding for the expansion, building and growth of Christian churches and ministries.

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  • Time Certificates
  • No-Term Certificates
  • Retirement Cert
6 mos 1 yr 18 mos 2 yr 3 yr 4 yr 5 yr

Early redemption fees apply. Download yield sheet for details.


I believe that in partnership with our investors, CDF Capital will help more churches grow and empower more life transformation than ever before.

President & CEO  |  CDF CAPITAL



Traditional IRA A Traditional IRA allows you to earn tax-deferred interest for contributions of up to $5,500 per year if you’re under 50, or $6,500 per year if you’re over 50. Your initial contributions may also qualify as a tax deduction. Roth IRA A Roth IRA plan allows you to invest your after-tax salary to earn tax-free interest. You may invest up to $5,500 per year if you’re under 50, and $6,500 per year if you’re over 50. SEP IRA The Simplified Employee Pension (SEP) IRA is designed for small business owners who want to provide a retirement plan for their employees. Both employers and employees receive tax deductions on SEP contributions up to $51,000 or 25% of income per year (whichever is less).


Your CDF Capital Time Certificate will auto renew for another term unless you request a change. We will notify you of your renewal date 30 days before your Time Certificate is scheduled to mature.

To make your investing experience as simple as possible, we offer automatic ACH deposits into any of your CDF Capital investments.



See our current promotional rates and special offers.


CDF Capital offers unique benefits for investors who have $250,000 or more on deposit with us. Contact us to learn more.


Interest Earnings Calculator

The earnings calculated assume that all interest is left in the investment and compounded. This calculation is not a guarantee of future earnings. The purchase of CDF securities is subject to risks, which are described in CDF's Offering Circular

The foregoing does not constitute tax or legal advice. Statements regarding taxation of principal and interest on Individual Retirement Accounts are not guarantees. The benefits described herein may not be available to all investors. Furthermore, the tax law is constantly changing and benefits available at the time an investment is made may not be available when the investment is redeemed. Investors should consult their tax and legal advisors for the current laws applicable to and the advantages available to them from investments in Retirement Agreements.
*Louisiana and South Carolina Residents: Demand securities are not available for sale in your states. Therefore, Flex Certificates offered in Louisiana and South Carolina have a one-year term and are not subject to an early redemption penalty.
*CDF4kids investments are governed by the California Uniform Transfer to Minors Act (CUTMA). CUTMA requires that the custodian transfer ownership to the minor at the age of 18 or the age specified in the purchase application, which cannot exceed 21. Only one custodian and one minor are allowed per investment. The law imposes certain fiduciary and record keeping obligations on a CUTMA custodian and requires that the interest earnings are reported to the IRS under the minor’s Social Security number. If one person serves as the investor/donor and the custodian, then the monies invested may be included in the donor’s estate prior to the investment being transferred to the minor. If you are not certain whether a CUTMA investment is the right choice for you, we strongly suggest you contact a legal, tax, investment and/or estate planning professional.