Below are current investor rates: 

Investment Minimum APY APR
flexible certificate none 1.35% 1.34%
1 year certificate $5,000 1.85% 1.83%
2 year certificate $5,000 2.25% 2.22%
5 year certificate $5,000 3.25% 3.19%

*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 & 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.