Invest in what lasts for generations.
A place for our community to invest together, instead of each person figuring it out alone. Your savings stay among our own people and help our communities and churches build without leaning on outside banks, while earning a fair return.
Storehouse Certificates
- Current rateOn request
- Minimum investment$500
- InterestCompounds quarterly
- IRA eligibleYes
God is calling us to think generationally
We believe God is preparing us to grow, not only to meet today's needs but to build a foundation our children and their children can stand on. Storehouse is how we answer that call, together.
Rather than leave our savings with outside banks, we bring them together and lend to our own communities and churches as they build, expand, and refinance. What we set aside in the good years stays among our own people, earns a fair return, and helps us provide for one another.
The Joseph pattern: store in the years of plenty, so there is bread for the years of want.
Savings that stay within the community
Kingdom purpose
Every dollar supports our communities and churches as they acquire, build, renovate, and refinance the facilities they use to serve.
A fair return
Terms from 6 to 36 months plus Loan Support Certificates, with interest compounded quarterly or paid out to you.
A shared mission
Open to members, contributors, and participants in HMU and affiliated organizations who share our convictions.
“A good person leaves an inheritance for their children’s children.”Proverbs 13:22
Simple to understand
A Storehouse Certificate works much like a certificate of deposit at a bank. You set an amount aside for a term you choose and earn interest. The difference is what your money does in between. Instead of sitting with an outside bank, it stays among our own people and is lent to our communities and churches, then comes back and goes to work again.
You set money aside
You choose a Storehouse Certificate and a term, starting at $500.
We lend it close to home
Your money is pooled with others' and lent to our own communities and churches as they build and grow.
It comes back, with interest
As the loans are repaid, you earn interest, and the same money goes back to work for the next one.
The same dollars keep working, year after year, for the generations to come.
Is it safe, and can I get my money back?
The two questions everyone asks, answered plainly. First, the ways we look after what you entrust to us.
Loans backed by property
The loans the Fund makes are generally backed by a first mortgage on church property, with loan-to-value limits of up to 80 percent. Your certificate itself is unsecured.
Liquidity reserves
A portion of the Fund is held in cash and reserves, intended to help us meet maturities and redemption requests.
Disciplined limits
We limit how much can go to any single borrower and keep most lending secured by property.
Independent oversight
The Fund's books are independently audited, legal counsel reviews the offering, and we operate under HMU's oversight.
When a church needs a place, we help
Our churches need places to gather and grow. Storehouse is how we help one another get there, instead of carrying it alone.
See how it works →Learn more about the Fund
Request the Offering Circular and we will follow up personally to answer your questions.
Request Information →Storehouse Certificates
Earn a return while helping churches build. Certificates are term investments offered directly by the Fund to those affiliated with Heritage Ministries United.
How it works
Confirm eligibility
Certificates are available to members, contributors, and participants in HMU and affiliated organizations.
Request the Offering Circular
Reach out and we'll provide the Offering Circular and application directly to you.
Choose your term
Select a term, fund your certificate, and decide whether interest compounds or is paid to you.
Flexible terms
Terms of 6, 12, 18, 24, and 36 months, plus a 3 to 5 year Loan Support Certificate.
Interest your way
Compound quarterly to grow principal, or receive simple interest by check or electronic transfer.
IRA eligible
Certificates can be held in self-directed IRAs through a compatible custodian.
Who can invest
Storehouse Certificates may be purchased by persons who are members of, contributors to (including prior investors), or participants in Heritage Ministries United, the Fund, or any program or organization that is part of HMU or the Fund, as well as other religious organizations with a programmatic relationship to HMU or the Fund. Investors affirm this affiliation on the purchase application.
Certificates are offered only in states where they have been registered or are exempt from registration.
Request Information →Hold a certificate in your IRA
Storehouse Certificates can be held inside a self-directed IRA, so your retirement savings can earn interest while staying among our own people and supporting our communities and churches. Both traditional and Roth self-directed IRAs are possible through a custodian that supports our certificates.
In a traditional IRA your interest grows tax-deferred; in a Roth it can grow tax-free. The right fit depends on your account and custodian. Reach out and we will walk you through it and point you to a compatible custodian. Storehouse does not give tax or legal advice, so please check with your own advisor.
Ask about IRAs →Certificate Types & Rates
Choose the term that fits your goals. Current interest rates are provided in the Offering Circular. Request it and we'll share the latest rates with you directly.
Term Certificates
Minimum investment $500. Interest is compounded quarterly unless paid out.
| Certificate | Minimum | Term | Interest | Current Rate |
|---|---|---|---|---|
| 6-Month Certificate | $500 | 6 months | Quarterly, unless paid out | On request |
| 12-Month Certificate | $500 | 12 months | Quarterly, unless paid out | On request |
| 18-Month Certificate | $500 | 18 months | Quarterly, unless paid out | On request |
| 24-Month Certificate | $500 | 24 months | Quarterly, unless paid out | On request |
| 36-Month Certificate | $500 | 36 months | Quarterly, unless paid out | On request |
| Loan Support Certificate | $1,000 | 3 to 5 years | Quarterly, unless paid out | On request |
Rates are stated in the Offering Circular. Loan Support Certificate rates may be set within a specified range and may carry lower rates.
How a certificate works
A Storehouse Certificate works much like a certificate of deposit at a bank. You set aside an amount for a term you choose, and you are paid interest for it. The difference is what your money does. You are lending to the Fund, and your funds are pooled and lent as mortgages to our communities and churches that are building, expanding, or refinancing.
You choose the term and how you receive interest. It can compound quarterly and grow your principal, or be paid out to you by check or electronic transfer. Certificates can also be held in a self-directed IRA.
Understanding each type
Term Certificates
The standard option. Choose a term from 6 to 36 months, starting at $500. Rates vary by term, and we offer the most favorable rates on the terms that best fit the Fund's current needs. Interest compounds quarterly or is paid out to you.
Loan Support Certificate
A longer commitment of 3 to 5 years, with a $1,000 minimum, for those whose first aim is to support the mission. You can often set your own rate within a range, and a lower rate means more of your money goes toward helping churches. It is a way to invest and give at once.
For larger commitments
For investments of $50,000 or more, the rate and term can be worked out with you individually rather than taken from the standard schedule.
For organizations
The same idea, for organizations such as a church, ministry, business, or trust investing $50,000 or more.
Maturity & redemption
Automatic renewal
Except for Loan Support Certificates, certificates automatically renew at maturity into a like term unless you request redemption or it is prohibited by state law. We notify you roughly 30 days before maturity.
Getting your money back early
Term certificates redeemed early generally forfeit 180 days of interest (about six months' worth) unless waived by the Fund. At least 30 days' prior written notice is required.
Current rates
Rates are provided in the Offering Circular. Request it and we will send the latest figures along with an application.
Request the Offering Circular →About the Fund
Storehouse Church Loan Fund is a Texas nonprofit church extension fund affiliated with Heritage Ministries United.
Strengthening the church
Storehouse Church Loan Fund exists to strengthen the church by connecting investors with communities that need capital to build, expand, and serve. Investors purchase Storehouse Certificates; those funds are lent as mortgages to our communities and churches.
The Fund is a Texas nonprofit corporation, tax-exempt under Section 501(c)(3), appointed by and controlled by Heritage Ministries United.
Heritage Ministries United
Heritage Ministries United (HMU) is a Bible-believing community that covenants with member churches under a shared statement of faith. From humble beginnings in 1973 as an inner-city mission, it has grown into a network of Christ-centered communities committed to restoring the church as a community and culture for a wholesome and harmonious life.
HMU is led not by a single personality but by a council of elders serving in mutual submission under the headship of Christ. The Fund operates under that same oversight, and it serves the churches and ministries of our community.
Governance & management
Board of Directors
A board appointed by HMU sets policy and oversees the Fund. A Loan Committee establishes credit policies and approves loans.
Professional servicing
Storehouse Reserve Stewardship Group provides management, underwriting, loan servicing, and operations under a Management Services Agreement.
Independent oversight
The Fund engages independent legal counsel and an independent auditor, with a June 30 fiscal year end.
Our board
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What shapes how we steward
Storehouse is an expression of how our community already lives.
Stewardship
We manage what we have been given patiently and wisely, accountable to one another.
Generational thinking
We set aside in the good years so our children and their children have a foundation to stand on.
Community
We keep our resources among our own people, working together rather than each one alone.
Kingdom purpose
Our resources are put to work for the church and the Kingdom, not scattered into institutions that do not share our convictions.
Honesty and trust
We are plain about how the Fund works and honest about its risks, because trust is the whole point.
Get in touch
Storehouse Church Loan Fund
4267 Interstate 35 N, P296
Waco, TX 76705
Investor inquiries: hello@storehouseloanfund.org
Frequently Asked Questions
Answers to common questions about investing in Storehouse Certificates.
What is a Storehouse Certificate? (in plain terms)
What types of certificates are offered, and what does each one mean?
- Term Certificates. The standard option. You choose how long to lend (6, 12, 18, 24, or 36 months), starting at $500. Rates vary by term, and the most favorable rates are offered on the terms that best fit the Fund's current needs. Interest is added to your balance every three months, or paid out to you.
- Loan Support Certificate. A longer commitment of 3 to 5 years, for investors whose main goal is to support the mission. You can often choose your own rate within a set range, and accepting a lower rate means more of your money goes toward helping churches. Minimum $1,000. Think of it as investing and giving at the same time.
- Negotiated-rate certificates. For larger investments of $50,000 or more, where the rate and term are worked out with you individually instead of taken from the standard list.
- Institutional certificates. The same as above, but for organizations such as a church, ministry, business, or trust investing $50,000 or more, rather than an individual.
Who is eligible to invest?
How do I get the Offering Circular?
Are certificates insured or guaranteed?
What are the minimums and terms?
How is interest paid?
Can I get my money back early?
Can certificates be held in an IRA?
How are my invested funds used?
How is my investment protected?
What happens when my certificate matures?
Who runs the Fund?
Request Information
Tell us a little about yourself and we'll follow up personally with the Offering Circular and next steps. Submitting this form is an inquiry only. It is not an application or commitment to invest.
Reach us directly
Email: hello@storehouseloanfund.org
Storehouse Church Loan Fund
4267 Interstate 35 N, P296
Waco, TX 76705
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