Term Certificates (SIC)

Stewardship Investment Certificates (SIC) offer higher interest rates compared to our other investment options. Our SICs are Term Certificates, meaning that you are committing to invest the original principal balance for a set amount of time. You can choose investment terms from six months to five years; our options are listed below. Early redemption penalties apply. 

Benefits and Features

  • Invest for a set length of time, starting at 6 months
  • Low, $25-minimum investment 
  • Higher return rates
  • Variable interest rate 
  • Interest can be compounded or paid monthly
  • Manage online through MyAccount
  • Early redemption penalties
  • Available to individuals, congregations, organizations, children under 18 via a Uniform Transfer to Minors (UTMA) Custodial investment, and participants in the BIC U.S. 403(b)(9) retirement plan.
MinimumTermRateAPY*Penalty
$256 months3.01%3.05%90 Days of Interest
$251 year3.49%3.55%90 Days of Interest
$2515 months**4.89%5.00%182 Days of Interest
$252 years3.74%3.80%90 Days of Interest
$253 years3.98%4.05%90 Days of Interest
$254 years4.22%4.30%90 Days of Interest
$255 years4.46%4.55%90 Days of Interest
*APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance. Rate and APY as of 12/1/2023. **15-month certificates are fixed to the rate of the certificate at the time of purchase until August 1, 2024, at which time they will become a variable rate certificate as well.

Learn More

Contact Sean Kleckner for more information.

skleckner@bicfoundation.org

(717) 796-4788 ext. 5429


Ministry Certificates

Ministry Certificates are just like our standard Term Certificates (SICs) except that the owner chooses to take a reduced interest rate or donates the interest altogether for the benefit of a charity, non-profit, congregation, or organization. The forfeited or reduced interest is calculated twice a year and then donated to the entity of the investor’s choice. Contact Sean Kleckner for more information.