CGF - What We Do


The Reformed Church in America Church Growth Fund, Inc. (CGF) supports the work and witness of the RCA by making loans to churches, classes, and other agencies and affiliates for the purpose of purchasing, constructing, or improving facilities used in their ministries. The CGF has been making loans to RCA churches and related agencies since 1861. As of September 30, 2017, the CGF has $56.2 million in loans to 104 churches and related agencies in 20 states as well as Canada and the U.S. Virgin Islands.

CGF Savings Certificates

A source of funding for CGF loans is the sale of savings certificates, which are interest bearing investments. The CGF offers Term Certificates of a fixed rate with maturities from one to ten years. Also available are Demand Certificates, which have a variable interest rate and allow investors to add or redeem funds up to three times a month.

CGF Savings Certificate investors enjoy a favorable rate of financial return and experience the satisfaction of knowing their money is being used primarily for loans to help existing RCA churches expand and enhance their ministries. The CGF issued its first savings certificate in 1966 and as of September 30, 2017, has $35 million in saving certificate investments held by individual RCA members, churches, classes, regional synods, and other agencies and affiliates related to the denomination. 

Church Multiplication Support

Beginning in 1999 the CGF has annually contributed a portion of its earnings to the General Synod Council, which awards the money as grants to new church plants for use as operating funds. The CGF has contributed over $5 million to support new church plant grants.

Next Generation Missional Engagement Support

As a way to support the RCA “Transformed and Transforming” initiative the CGF makes additional contributions to the General Synod Council for the Next Generation Missional Engagement Scholarship Fund to provide scholarships to middle school age children through post college young adults to cover the cost of mission trips and internships, disaster response work, vision and study tours, and missional training experiences. 

This is not an offer to sell our securities to you and we are not soliciting you to buy our securities. We will offer and sell our securities only in states where authorized. The offering is made solely by our Offering Circular  (for CA use only). The purchase of our securities is subject to risks, which are described in our Offering Circular. We do not currently offer securities in all states. See How to Invest for a list of states in which we are authorized to sell our securities.

Not FDIC or SIPC insured • Not a bank account • No RCA guarantee •