RIA Program Page - CDF Capital

Investments That

HELP CHURCHES GROW

No-Term, Time & Retirement Certificates

For over 60 years we’ve helped churches grow. We believe the local church is central to God’s plan to fulfill the Great Commission. We help both individuals and churches by resourcing them with Financial Capital, Leadership Capital, and Spiritual Capital. And we do all of this because we believe in the church.

The Certificates

CDF Capital offers a range of investment options from no-term demand accounts, to time and retirement certificates with returns that increase with investment duration.

Dollars invested with CDF Capital provide loans for the expansion, building, and growth of churches, while at the same time earning interest for your client.

Please refer to the enclosed Yield Sheet for our current rates and promotions.

Our Mission

Our mission is to Help Churches Grow.

Backed by more than 60 years of experience. CDF Capital has assisted with the expansion and growth of more than 1,000 churches and ministries. Thanks to the thousands of individuals who have invested millions of dollars into our mission, CDF Capital has grown into a national ministry with more than $600 million in total assets.

Your Commitment

As part of our pilot program, we are hoping to partner with you to provide a new investment opportunity to your clients and to help us grow our ministry. We simply ask you to share our story with your clients and prospects and partner with us. CDF Capital investments are not just a good place to earn a return for your clients, but a place where those dollars will be put to work helping churches grow,

HOW OUR INVESTMENTS WORK

Value of CDF Capital Investment

We will explore opportunities to introduce agents directly to our investors who express interest in working with an RIA.
Access to premium pricing, negotiated rates for investments of $250,000, and have access to your client accounts through our online account access.
We are partnering with a select group of RIAs from across the country as part of this pilot program.
We will provide each partner with collateral and materials to share with their clients about CDF Capital and our investments.

Benefit of Investing With Us

We will provide each partner with collateral and materials to share with their clients about CDF Capital and our investments.
We will explore opportunities to introduce agents directly to our investors who express interest in working with an RIA.
We are partnering with a select group of RIAs from across the country as part of this pilot program.
Access to premium pricing, negotiated rates for investments of $250,000, and have access to your client accounts through our online account access.

Pilot Program Details

We are partnering with a select group of RIAs from across the country as part of this pilot program.
We will provide each partner with collateral and materials to share with their clients about CDF Capital and our investments.
We will explore opportunities to introduce agents directly to our investors who express interest in working with an RIA.
Access to premium pricing, negotiated rates for investments of $250,000, and have access to your client accounts through our online account access.

Program Specifics

Premium rates on certificates for your clients with the ability to lock in rates for up to 3 months.
Negotiated rates for individual investments over $250,000.
Access to your client accounts through our online access.
Preferred RIA relationship with our Investor Relations team.

Administering Investments

Processing your clients’ investments with CDF Capital is a simple process.
Complete either the Standard or the Simplified application (available on our website).
Email, fax, or mail the application to CDF Capital.
A CDF Capital representative will contact you to fund the investment.

CDF Capital Facts

CDF Capital is a California non-stock, nonprofit religious corporation that was incorporated in 1953. We are organized and operated for religious purposes within the meaning of Section 501(c)(3) of the Internal Revenue Code. Our principal place of business is at 2050 Main Street, Suite 400, Irvine, California 92614.

We are associated with Christian Churches, Churches of Christ, or other ministries within the definition of Qualified Ministries. It is our principal purpose to encourage and aid the growth and spread of Christianity by offering financial and other assistance toward the establishment of Christian Churches, Churches of Christ, or other ministries.

We have offered our Certificates nationally and have sold certificates in all 50 states. We intend to offer and sell our Certificates in all 50 states to the extent permitted by applicable law. As of December 31, 2016, we have loans in 37 states.

Use of Proceeds

We are offering and selling our Certificates to raise money principally to make loans to Qualified Ministries. For more information, see “Use of Proceeds” on page 7 of our Offering Circular.

Download
Offering Circular

Our Loans

We offer a variety of loans, including mortgages, construction loans and lines of credit. Our borrowers generally use these loans to buy land and to purchase, improve and build buildings and other facilities.

Other Products And Services

In fulfilling our mission to help churches grow we offer several other products and services, including but not limited to: leadership coaching and strategy for churches, construction consulting, and construction management. We also manage several benevolence funds.

Certificate Facts

INVESTMENT OPTIONS
Time Certificates, which have terms generally from six months to five years. They earn interest at a fixed rate depending on the amount and term of investments, subject to our right of adjustment.

Flex Certificates, which are payable on demand generally within 48 hours after your request for payment. They earn interest at a variable rate determined periodically.

INTEREST COMPOUNDING
Interest on Certificates compounds on a quarterly calendar basis. Compounding is based on a 365- day year.

INTEREST RATES
We set the interest rates on our Certificates periodically. The interest rates for Time Certificates are set at the time of sale and are not changed during the term of investment, subject to our Adjustment Right as described under the heading “Adjustment Right” on page 11 of our Offering Circular.

In general, the minimum opening investment for a Time Certificate is $1,000. Additions to Time Certificates are only allowed through CDFdirect. See “Special Investor Options-CDFdirect” on page 12 of the Offering Circular.

Interest on Retirement Certificates must be added to the principal amount of your Certificate. For all other Certificates, you may choose to have the interest earned on your Certificate paid monthly or quarterly by electronic funds transfer, or added to the principal amount of your Certificate. We reserve the right to require that at least $25 of interest be earned for us to pay out interest. If the amount of earned interest is less than the minimum amount for pay out, then earned interest will be added to the principal amount of your Certificate. Investors may, subject to a 60 day notice requirement reserved by CDF, request payment of any amount of interest previously added to their Time Certificate during the current Certi cate’s term, without redeeming the principal of the Certificates or being subject to any penalty.

See Our Current
Certificate Rates