Invest in what lasts for generations.
Storehouse Certificates let members and friends of Heritage Ministries United earn a return while funding the mortgages that help affiliated churches buy, build, and grow.
Storehouse Certificates
- 6 – 36 month termsOn request
- Loan Support Certificate3–5 yrs
- Minimum investment$500
- InterestCompounds quarterly
- IRA eligibleYes
Your investment does double duty
Kingdom impact
Every dollar supports churches acquiring, constructing, renovating, and refinancing the facilities they use to serve.
Competitive returns
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.
God is calling us to think generationally
We believe He is preparing us to grow, not just to meet today's needs, but to build a foundation our children and their children can stand on: a tool that funds Kingdom work, supports new communities as they emerge, and gives our people real financial infrastructure for the world that's coming. Storehouse is how we answer that call, together.
The Joseph pattern: store in the years of plenty, and eat from the harvest, not the seed.
“A good person leaves an inheritance for their children’s children.”Proverbs 13:22
From your investment to a thriving church
You invest
You purchase a Storehouse Certificate for a term you choose, starting at $500.
We lend
Your funds are pooled and lent as mortgages to HMU-affiliated churches and ministries.
Everyone grows
Churches build and expand; you earn interest, compounded quarterly or paid to you.
Buildings that become a home for the church
Behind every certificate is a sanctuary filled, a classroom built, a debt refinanced so a congregation can give more to its mission. Your investment helps make the room.
See how it works →Ready to learn more?
Request our Offering Circular and we'll follow up personally to see whether a Storehouse Certificate is right for you.
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 3–5 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 →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 | 3–5 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.
Negotiated & institutional certificates
$50,000 minimum
Negotiated-rate certificates are available for larger commitments. Contact us to discuss terms.
$50,000 minimum
Institutional certificates are available to qualifying organizations.
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.
Early redemption
Term certificates redeemed early generally forfeit 180 days of interest unless waived by the Fund. At least 30 days' prior written notice is required for redemption.
Want current rates?
Rates are provided in the Offering Circular. Request it and we'll 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 congregations that need capital to build, expand, and serve. Investors purchase Storehouse Certificates; those funds are lent as mortgages to affiliated churches and ministries.
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 organization that covenants with member churches under a statement of faith emphasizing the intentional Christian life. The Fund operates under HMU's oversight and serves its affiliated churches and ministries.
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.
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), and generally, the longer the term, the higher the rate. You can start with as little as $500. 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 redeem early?
Can certificates be held in an IRA?
How are my invested funds used?
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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