North Carolina Baptist Financial Services is a new ministry of the North Carolina Baptist Foundation.  We were established in April 2009 as a wholly owned subsidiary of the North Carolina Baptist Foundation.  We are a North Carolina not-for-profit religious corporation established to make loans and grants to Baptist churches and Baptist entities in North Carolina. 

Using funds from the sale of Certificates of Participation, we engage in lending activities intended to promote and further the Baptist Denomination in North Carolina by providing funds to Baptist churches and other Baptist entities in North Carolina in the form of loans for construction and expansion of new or improved Baptist churches and other Baptist facilities in North Carolina.

Certificates of Participation

North Carolina Baptist Financial Services offers investment opportunities to residents of or organizations headquartered in North Carolina, who are also individual members of a North Carolina Baptist congregation or organizations affiliated with the Baptist Denomination in North Carolina.  This program is known as our Church Growth Investment Fund and offers investors the opportunity to receive a competitive return on their investment while those funds, in turn, assist us in the financing of new or existing Baptist churches and other Baptist entities in North Carolina.

The proceeds invested in the Church Growth Investment Fund are pooled to underwrite first mortgage loans to churches and other Baptist entities in North Carolina.  As God's Kingdom in North Carolina continues to grow, so the loan demand continues to grow. If you invest, your deposits will help to fund these loans, which are underwritten using our own underwriting guidelines.

Church Growth Investment Fund Basics:

Timed Certificates

• Minimum deposit and balance of $1,000
• Payable at maturity
• Fixed interest rate
• Interest paid or compounded quarterly. For current rates, click here.
• Automatic renewal at maturity
• Early redemption penalty
• Monthly statements

Demand Certificates

• Minimum deposit and balance of $1,000
• Payable on demand
• Interest compounded monthly. For current rates, click here.
• Monthly statements

This is not an offer to sell Church Growth Investment Fund certificates to you and we are not soliciting you to buy Church Growth Investment Fund certificates. We will offer and sell Church Growth Investment Fund certificates only in North Carolina.  Certificates in the Church Growth Investment Fund are sold only by the Offering Circular.  Please click here for complete details and to view the Offering Circular, which contains both the individual and organizational applications at the end of the circular.  You may also contact us at (800) 521-7334 if you have any questions.

Lending Activities

Using the proceeds from the Certificates of Participation, North Carolina Baptist Financial Services makes loans to Baptist congregations and entities in North Carolina for the acquisition, construction and renovation of worship facilities, parsonages, schools and other similar structures.  Rates and terms are generally more favorable than we believe our borrowers could get from a commercial lender. Borrowers generally will use our financing to acquire land or buildings and to construct or renovate ministry facilities, schools and other facilities necessary to carry out their mission.

Church Loan Basics: 

• Competitive Rates & Terms
• No Prepayment Penalty
• Free Consultative Services
• Baptists Partnering with Baptists
• Simple Application & Loan Process
• Loans for Various Purposes
• Returns invested in Kingdom Ministries

If you are a church or qualified entity interested in borrowing funds, please click here for a loan application.  You may also contact us at (800) 521-7334 if you have any questions or you may download our Q&A.

 Loan Payment Calculator