Demand Certificates & Current Yields
- $1,000 minimum investment for individuals, families, and churches
- $3,000 minimum investment for IRAs
- Investments greater than $2,000,000 may be eligible for a Flexible Certificate
| Type | Yield (APY) | Rate |
|---|---|---|
| Demand Certificate | 3.30% | 3.2511% |
- 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.
- Pastors who declare their position and provide a certificate of ordination for all new certificates beginning February 1, 2025, will receive an additional 0.10% on the yield.
As of December 1, 2025
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. This 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.
Time Certificates & Current Yields
- $1,000 minimum investment for individuals, families, and churches
- $3,000 minimum investment for IRAs
- Investments greater than $2,000,000 may be eligible for a Flexible Certificate
- Early redemption penalty: 120 days of interest on the amount of principal withdrawn
| Term | Yield (APY) | Rate |
|---|---|---|
| 6-Month Time Certificate | 4.25% | 4.1694% |
| 1-Year Time Certificate | 4.45% | 4.3617% |
| 2-Year Time Certificate | 4.70% | 4.6017% |
| 3-Year Time Certificate | 4.25% | 4.1694% |
| 5-Year Time Certificate | 4.00% | 3.9285% |
| 7-Year Time Certificate | 4.00% | 3.9285% |
- Time Certificates with a total account balance over $100,000 receive an additional 0.10% on the yield.
- Time Certificates with a certificate balance over $750,000 also receive an additional 0.10% on the yield.
- Pastors who declare their position and provide a certificate of ordination for all new certificates beginning February 1, 2025, will receive an additional 0.10% on the yield.
As of December 1, 2025
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. This 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.