Individual Investments
Investing in your future can bring everlasting gains.
AGFinancial Investment Certificates Rates
| Investment Type | Standard Rate | Standard APY* | Premium Rate** | Premium APY* | ||||
| DEMAND | 3.750% | 3.82% | N/A | N/A | ||||
| 3-MONTH | 4.000% | 4.07% | N/A | N/A | ||||
| 6-MONTH | 3.875% | 3.95% | 4.125% | 4.20% | ||||
| 1-YEAR | 3.750% | 3.82% | 4.000% | 4.07% | ||||
| 2-YEAR | 3.750% | 3.82% | 4.000% | 4.07% | ||||
| 3-YEAR | 3.500% | 3.56% | 3.750% | 3.82% | ||||
| 4-YEAR | 3.625% | 3.69% | 3.875% | 3.95% | ||||
| 5-YEAR | 3.750% | 3.82% | 4.000% | 4.07% |
*Annual Percentage Yield
**Premium rates may be available for investments of $250,000 or greater.
Effective October 1, 2024.
Rates subject to change. Demand certificates are investments that do not represent cash and are payable within 30 days after demand by the investor. Penalties may apply to redemptions prior to maturity.
This is not an offer to sell securities referred to herein and we are not soliciting you to purchase these securities. The offering is made only by the Offering Circular which includes risk factors. The Offering Circular may be obtained by writing or calling AGFinancial or by clicking here. AGFinancial investments are offered and sold only in states where authorized or exempt from authorization. A limited offering is available in Washington. Not available in Ohio.
Not FDIC or SIPC Insured. Not a Bank Deposit. No AGFinancial Guarantee.
AGFinancial is a DBA of Assemblies of God Loan Fund, an affiliated entity of Assemblies of God Financial Services Group.
Frequently Asked Questions
AGFinancial investments are not insured or guaranteed by SIPC, FDIC, or any other federal or state authority or regulatory agency, or any other person or entity. No AGFinancial investor has ever experienced a loss of investment or missed receiving an interest payment. However, as with any investment, past performance is no guarantee of future returns.
The Offering Circular helps you make an informed investment decision. It includes the history of AGFinancial, its policies and procedures, description and terms of investments, risk factors, and last three years of financials. When you open an investment, you agree to the Offering Circular’s terms and conditions.
Download Offering CircularTo see your investments online, you must first set up a user ID and password within Online Access.
Get StartedYou can make an additional investment to your Demand Certificate at any time with a personal check or electronic transfer from your bank. Funding your Demand Certificate by electronic funds transfer (EFT) can be done through Online Access. Adding funds to all other AGFinancial investments can be made only when the investment reaches maturity. Upon maturity, you will have a 10-day grace period to add funds to your existing investment.
Learn MoreA minimum balance of $250 must be maintained for Demand Certificates and all other investments must maintain $500 minimum in order to keep the investment open.
Monthly automatic investments can be made to Demand Certificates and Adjustable Rate IRAs through EFT. The minimum for each is $50 per month.
Download FormRedemptions may be requested in writing and the requests must be signed by the owner(s) or other authorized parties. Requests can be mailed, faxed to Client Services at 417.831.7429, or via our secure file upload. Redemptions for Term Certificates are available by check, bank wire, or Electronic Funds Transfer (EFT) with proper authorization forms on file with AGFinancial. Demand Certificates also permit redemption requests by phone and through Online Access if two signatures are not required.
Learn MoreFor Demand Certificates and Term Certificates (6 months to 10 years), interest can be paid monthly, quarterly, semi-annually, or annually. A minimum balance of $10,000 is required for monthly payments. For IRAs, any amount can be paid monthly, quarterly, semi-annually, or annually; however, additional paperwork is required for IRA withdrawals.
Interest accrues daily and compounds monthly.
A maturity notice is mailed approximately 30 days prior to the investment’s maturity date. You can also sign up to receive maturity notices by email within Online Access.
Our current policy is to impose an early redemption penalty of 2% of the principal amount of the investment certificate redeemed prior to maturity. Term certificates allow investors to borrow against their balance; contact us for more information.
