Certificate Program

The Georgia United Methodist Foundation's Certificate Program is a wonderful investment opportunity that offers spiritual and financial rewards. As of September 30, 2020, we have over $43 million in outstanding certificates. 

When you purchase 1-, 2-, 3- and/or 4-year certificates, your investment earns higher returns than similar instruments and enables GUMF to underwrite loans to United Methodist churches and ministries in Georgia for new construction, expansion and renovation of existing facilities, purchase of building sites, and refinancing of other financial institution’s loans. GUMF's Loan Program currently has over $31 million in outstanding loans.

From time to time, GUMF changes offered rates on certificates to move in line with market conditions. Effective November 1, 2020, GUMF is lowering the rates of interest paid for renewals and new certificates. The current and new rates are listed below by maturity. 

Certificate Terms and Rates Effective Until October 31, 2020*

                                   4-Year = 2.40%
                                   3-Year = 2.00%
                                   2-Year = 1.90%
                                   1-Year = 1.70%

Certificate Terms and Rates Effective November 1, 2020*

                                   4-Year = 1.90%
                                   3-Year = 1.60%
                                   2-Year = 1.40%
                                   1-Year = 1.20%

For more information, visit our Certficate Program Offering Circular and Application Page or contact Carol Johnston, GUMF Controller, at 770-449-6726, 877-220-5664 or cjohnston@gumf.org.

*Georgia United Methodist churches, ministries and members are required to invest a minimum of $5,000. Please note: All rates are subject to change from time to time without notice. Certificates are not insured by the FDIC or any other government agency and are not obligations of or guaranteed by a bank. This ad constitutes neither an offer to sell nor a solicitation to buy the securities described. Offers are made only after receiving and reviewing an Offering Circular.