It’s easy to invest with the Cornerstone Fund. And what makes our investments different is the opportunity to help build the United Church of Christ while you earn a solid rate of return!

Who can invest with the Cornerstone Fund?

Any person or organization affiliated with the United Church of Christ (UCC) can invest with the Cornerstone Fund and feel good about helping to build the church—while enjoying a great rate of return.
Parents and grandparents
Kids saving for college
People looking for a great way to invest their IRAs
Churches wanting to invest in a way that supports the mission of the UCC
Cemetery societies, altar guilds, clubs and committees

Why does the Cornerstone Fund offer two types of investments?

Different investors have different investing needs. Some want as much flexibility as possible, while others are willing to invest for a longer time to earn a higher rate of return. So the Cornerstone Fund provides investors with a choice:

Flexible Demand Note
Our most liquid investment, the Flexible Demand Note works much like a money market account (though not FDIC insured). While the Cornerstone Fund does not provide checks, investors may access their funds at any time, with no interest penalty.

Term Note
Term Notes are available with investment terms from six months to five years. You may choose to either re-invest your interest or receive a regular check.

How do the investments work?

The investments offered to individuals and UCC-related organizations by the Cornerstone Fund are used to fund the loans we offer. We only make loans to established UCC churches who meet our underwriting guidelines in order to make improvements to their facilities, build new buildings, and expand their ministries. Your money is put to work building the United Church of Christ, while you earn a competitive rate of return on your investment.

Does the Fund invest in the stock market?

No—we invest solely in loans to churches. Our investors’ money is used to fund loans to established UCC churches that have passed a formal loan approval process. The interest paid by borrowers on their loans, in turn, funds the interest the Cornerstone Fund pays to its investors.

Is my investment safe?

While the Cornerstone Fund does not provide FDIC insurance, we take great care in the selection of our borrowers. In addition to meeting financial criteria, churches who borrow offer their property as collateral—just like a homeowner secures a mortgage with a house. Cornerstone Fund borrowers demonstrate they have the resources to repay their loan, generally through a capital campaign. By doing all we can to ensure our borrowers can repay their loans, we help to ensure our investors’ funds are as safe as possible.

What if I need my money?

If you’ve invested in a Flexible Demand Note, or if your Term Note has matured, just call the Cornerstone Fund at 888-822-3863. We’ll send you an authorization which you can sign and fax back, withdrawing any amount up to the balance in your account. We’ll initiate an electronic transfer and put a check in the mail within two business days, or even overnight your funds for a small fee. If you need to withdraw funds from a Term Note before its maturity, you may be subject to only a modest interest penalty.

I’m ready to invest! What do I do now?

Begin an application or call us at 888-822-3863, and we’ll send you an investment application, our current rates, and an Offering Circular. Simply complete the application and mail it to us with your check, and we’ll send your investment Note to you within a week of receiving your investment.

You can also check out our current rates and download our Offering Circular and application now.

Have More Questions?

Give us a call at 888-UCC-FUND (888-822-3863). We look forward to hearing from you and helping you become part of the Cornerstone Fund family.