Custodial agreements for Traditional and Roth IRAs

Funds invested in the Brotherhood Loan Fund provide the resources needed to make loans to churches and pastors.

Stewardship Investment Certificates (SIC)  Certificates can be purchased for a minimum of $25 for a term of 6 months or 1 to 5 years with a corresponding variable interest rate. Interest accumulates monthly or is payable monthly, quarterly or semiannually.

Individual Retirement Account Notes (IRA) Notes can be purchased for a minimum of $25 and have a maturity date of 5 or 10 years from the date of issue. The variable interest rate accumulates monthly or is payable monthly or quarterly.

Thrift Accumulation Plan Agreements (TAP) Money deposited in TAP accounts is generally done to accumulate funds for purchase of an SIC or Note. The funds earn a variable rate of interest, which is accumulated to the account monthly.

For terms, rates and other investment information, please select your state of residence from the list below. Investment options are not available in all states.

Choose your state:

This is neither an offer to sell nor a solicitation of an offer to buy the investments described herein. An offer with respect to BLF investments can be made only by the prospectus. No offer or sale of investments is made in any jurisdiction where the offer or sale is not in compliance with applicable law. Offers and sales may be made only by an authorized officer of the Foundation.

Nature of Investment

These products are uninsured debt obligations of the Foundation. These products are not savings or deposit or other obligations of a bank and are not insured by the FDIC, SPIC, any state insurance fund or any other governmental agency.


BLF investments may be offered or sold only to persons who are members, constituents, contributors to or participants in the Foundation, the Brethren in Christ Church and/or its programs, activities or organizations, or parents, spouses, children, grandchildren or BIC U.S. 403(b)(9) Accounts of such persons, or to Foundation IRAs and HSAs as directed by the account holder. Some jurisdictions may impose additional restrictions or limit which investments may be offered within the jurisdiction.