Below are current investor rates: 

Investment Minimum APY APR
flexible certificate none 2.10% 2.07%
1 year certificate $5,000 2.10% 2.07%
2 year certificate $5,000 2.30% 2.27%
5 year certificate $5,000 3.00% 2.95%


*Flexible Certificate will adjust to 1.85%APY /  1.83%APR on February 1, 2020.

*The Free Methodist Investment & Loan Fund is not registered and can not accept new investors in the following states: Arkansas, Georgia, Hawaii, Kansas, Mississippi, New Hampshire, Pennsylvania, Rhode Island, Utah, Kentucky, Vermont, Washington & Wyoming.

APY: annual percentage yield
APR: annual percentage rate

Interest on all certificates accrues daily. 
A statement is provided each quarter reflecting the principal and earned interest of each certificate.