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MIF Investments for Individuals

When you invest with the Mission Investment Fund, your investment dollars earn a competitive rate of return and are put to work in the form of loans to ELCA congregations and ministries. These organizations, in turn, use the loans to build worship spaces, soup kitchens, senior housing and more.

Term Investments
  RATE APY*
FIXED RATE:$1,000 minimum investment.
1-YEAR TERM 1.00% 1.00%
2-YEAR TERM 1.54% 1.55%
4-YEAR TERM 1.99% 2.00%
6-YEAR TERM 2.97% 3.00%
 
ADJUSTABLE RATE:$1,000 minimum investment
1-YEAR TERM 1.10% 1.10%
3-YEAR TERM 1.64% 1.65%
5-YEAR TERM 2.03% 2.05%
7-YEAR TERM 2.33% 2.35%
 
GRAND FIXED RATE:$250,000 minimum investment
1-YEAR TERM 1.00% 1.00%
2-YEAR TERM 1.54% 1.55%
3-YEAR TERM 1.64% 1.65%
 
Demand Investments
  RATE APY*
WITH CHECK WRITING:
$100 - $9,999 minimum balance .35% .35%
$10,000 - $24,999 minimum balance .45% .45%
$25,000 - $99,999 minimum balance .75% .75%
$100,000 - minimum balance 1.00% 1.00%
 
YOUTH MINISTRY:
Same tiers and rates as DEMAND INVESTMENTS With Check Writing (above)
 
NO CHECK WRITING:
Adjustable rate; minimum investment $100 .35% .35%
 
MIF4KIDZ
  RATE APY*
An investment for children under age 16 1.99% 2.00%
 

A special, adjustable-rate savings plan for children from birth to age 16 with minimum investment of just $50.

Retirement Savings Account

All TERM and DEMAND INVESTMENTS No Check Writing accounts may be held as Traditional or Roth Individual (IRAs), with UMB Bank, n.a., as custodian.

Education Account

All TERM and DEMAND INVESTMENTS No Check Writing accounts may be held as Coverdell Education Savings Accounts, with UMB Bank, n.a., as custodian.

Health Savings Account
  RATE APY*
$100 minimum balance .35% .35%
$5,000 minimum balance .45% .45%
$10,000 minimum balance .75% .75%
$25,000 minimum balance 1.00% 1.00%
Or, to speak to a representative call:
(877) 886-3522
 
 

MIF Investments for Ministries

When you invest with the Mission Investment Fund, your investment dollars are put to work in the form of loans to ELCA congregations and ministries like yours. The loans are then used to build worship spaces, soup kitchens, senior housing and more.

Term Investments
  RATE APY*
FIXED RATE:$1,000 minimum investment.
1-YEAR TERM 1.00% 1.00%
2-YEAR TERM 1.54% 1.55%
4-YEAR TERM 1.99% 2.00%
6-YEAR TERM 2.97% 3.00%
 
ADJUSTABLE RATE:$1,000 minimum investment
1-YEAR TERM 1.10% 1.10%
3-YEAR TERM 1.64% 1.65%
5-YEAR TERM 2.03% 2.05%
7-YEAR TERM 2.33% 2.35%
 
GRAND FIXED RATE:$250,000 minimum investment
1-YEAR TERM 1.00% 1.00%
2-YEAR TERM 1.54% 1.55%
3-YEAR TERM 1.64% 1.65%
 
Demand Investments
  RATE APY*
WITH CHECK WRITING:
$100 - $9,999 minimum balance .35% .35%
$10,000 - $24,999 minimum balance .45% .45%
$25,000 - $99,999 minimum balance .75% .75%
$100,000 - minimum balance 1.00% 1.00%
 
YOUTH MINISTRY:
Same tiers and rates as DEMAND INVESTMENTS With Check Writing (above)
 
NO CHECK WRITING:
Adjustable rate; minimum investment $100 .35% .35%
 
MIF4KIDZ
  RATE APY*
An investment for children under age 16 1.99% 2.00%
 

A special, adjustable-rate savings plan for children from birth to age 16 with minimum investment of just $50.

Or, to speak to a representative call:
(877) 886-3522
 
 

MIF Ministry Loans

Established Congregations

For capital improvements to grow ministry.

  • Adjustable-Rate Mortgage
  • Fixed-Rate Loan
  • Loans for Smaller Projects

New-Start Congregation

To purchase land or construct or purchase a first church building.

Second Site

For buying or constructing a building for a satellite congregation.

ELCA-Related Ministries

For seminaries, social ministry organizations, outdoor ministries, and colleges and universities of the ELCA undertaking capital projects.

 
 

Get details and rates
on MIF investments and loans.
 

CLICK BELOW.
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An MIF Loan at Work

Salt House, a new ministry in Kirkland, Washington, is a shining example of how MIF uses investors' dollars to finance capital projects for ELCA congregations and ministries.

 
 

About MIF

The Mission Investment Fund of the Evangelical Lutheran Church in America offers a range of investments for individuals, congregations and social ministry organizations. For more than a century, we’ve used the money invested with us to finance building and renovation loans for ELCA congregations and ministries, helping our fellow Lutherans meet their financial goals while advancing our ministry.