CGIF offers cash management solutions and financing for Florida Baptist Convention churches and partnering ministries for the purchase, renovation, building and refinancing of facilities to enhance the church’s ability to make disciples in them.
Every church is unique, we have various cash management options and flexible loans to best align your ministry and financing needs. Through consultative relationships, options are explored and then recommended to enhance your Gospel impact.
Established 1991 1000+ Ministry partners $200+ Million in total assets
CGIF Cash Management Investments We help churches, like you, turn cash into an investment that provides a competitive return to further your own Kingdom impact. CGIF is the best cash management solution to maximize the resources in your reserve or savings account while moving the Gospel Mission forward in the state of Florida. Whether you need liquidity or income we have solutions to meet your goals while impacting His Kingdom.
925+ Investors $5+ Million interest paid to investors in 2023
CGIF Loan Resources Church Growth Investment Fund offers construction and permanent loans to churches and associations affiliated with the Florida Baptist Convention. We make loans for purchasing property, constructing new facilities, refinancing existing debt and/or renovating existing facilities. The principal and interest paid on these loans further Gospel ministry throughout the state and around the world. We believe each ministry is unique and therefore tailor a loan to the needs of each borrower.
$131+ Million total loans as of 12/31/23
Ways to Invest Your Resources
Demand Certificates & Current Yields
Your principal and accrued interest is available on demand, without penalty.
$1,000 minimum investment
No mandatory term of commitment
>$2,000,000 investment eligible for Flexible Certificate
Demand Certificates3.30% *Demand Certificates with a certificate balance over $100,000 receive an additional 0.10% on the yield.* *Demand certificates with a certificate balance over$750,000 also receive an additional 0.10% on the yield.*
As of December 1st, 2024
STEP 1: Church Growth Investment Fund is only sold by Offering Circular.Click Here To View
STEP 3: Return the completed form accompanied by a voided check for this and future (investing/withdrawal) ACHs via email to cgif@floridabaptist.org. Then mail the original, completed form (not the voided check) to
You invest for a set time. An early redemption penalty applies.
$1,000 minimum investment
>$2,000,000 investment eligible for Flexible Certificate
Early redemption penalty is 120 days of interest on the amount of principal withdrawn.
6-Month Time Certificates 5.00%
1-Year Time Certificates 4.50%
3-Year Time Certificates 4.25%
5-Year Time Certificates 4.00%
7-Year Time Certificates 4.00%
*Timed Certificates with a total account balance over $100,000 will also receive an additional 0.10% on the yield.* *Times Certificates with a certificate balance over $750,000 also receive an additional 0.10% on the yield.*
As of December 1st, 2024
STEP 1: Church Growth Investment Fund is only sold by Offering Circular. Click Here To View
STEP 3: Return the completed form accompanied by a voided check for this and future (investing/withdrawal) ACHs via email to cgif@floridabaptist.org. Then mail the original, completed form (not the voided check) to
For over 30 years, Church Growth Investment Fund “CGIF” has been assisting Southern Baptist Churches in Florida to leverage the Kingdom so they can enhance their Gospel influence through their facilities. We make loans for purchasing property, constructing new facilities, refinancing existing debt and/or renovating existing facilities.
Find stability by purchasing their first facilities
Find stability by purchasing their first facilities
Build more facilities to accommodate growth
Build more facilities to accommodate growth
Renovate facilities to align with new missional rhythms
Renovate facilities to align with new missional rhythms
Refinance suffocating loans so they can reallocate their cash flow into ministry
Refinance suffocating loans so they can reallocate their cash flow into ministry
Florida Baptist Financial Services offers church financing through Church Growth Investment Fund.
To date, we have funded over $250,000,000 in church loans.
CGIF Certificate of Investment Yields
Type
Yield
Demand Certificate
3.30%
Type
Yield
6 Month Time Certificate
5.00%
1 Year Time Certificate
4.50%
3 Year Time Certificate
4.25%
5 Year Time Certificate
4.00%
7 Year Time Certificate
4.00%
As of December 1st, 2024 Yields are subject to change. Certificates are currently available to persons as well as churches and corporations only in Florida and the U.S. Virgin Islands and the advertisement is not directed to any person, church, or corporation in any other state. CGIF is offered by Offering Circular only. For an Offering Circular, visit www.floridabaptist.org/CGIF or call 904.345.3221.
Pastor Bob Franquiz
Calvary Fellowship - Miramar, FL
CGIF wasn’t just concerned about the financials, they also wanted to know about what God was doing in the spiritual development of the church.
Dr Wesley Green
Christway Baptist Church – Miramar, FL
These buildings are a permanent legacy and CGIF has helped us to do this.
Pastor David Hughes
Church By The Glades – Coral Springs, FL
Church Growth investment Fund has enabled us to reach more people for Christ because they helped us.
Rev David Malmberg
Dunns Creek Baptist Church – Jacksonville, FL
More than just a bottom line about money, CGIF was also concerned about ministry.
Pastor Ken Whitten
Idlewild Baptist Church – Lutz, FL
We had an outstanding experience with CGIF.
Pastor Bob Franquiz
Calvary Fellowship - Miramar, FL
CGIF Partnered with us to buy and build, it was an amazing experience working with them to see the completion of our building.
Dr. Donnie Elkins
Jacksonville Height Baptist Church – Jacksonville, FL
My experience with CGIF has been a blessing.
Bryan Samms
River City Baptist Church - Jacksonville, FL
It would be hard to quantify how many people have heard the gospel of Jesus Christ because we’ve been able to get into this building.
