Penalty-Free Access Investment
An investment option with easy access to your funds—without penalty.
GenFi Ministries' penalty-free access investment allows you to save without tying up your funds long-term.
Easy access to your funds. Whether there’s a planned purchase in your future or unexpected life circumstances, you can access your investment penalty-free, with 30 days notice.
$0 maintenance fees. Penalty-free access investments have no maintenance fees, no service fees, and no hidden penalties, so you can earn more with your investment.
Personal customer service. You can expect personal attention from our skilled and dedicated investment specialists, whether you call our office or make an appointment to stop by!
You can easily manage your penalty-free access investment on our secure customer portal.
Frequently Asked Questions
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Contact us to talk to a team member.
Our penalty-free access investments are currently earning 1.50% APR. This interest rate is variable and subject to change. We will notify you prior to any access rate changes.
For higher rates of return, consider our fixed-rate investment offerings.
Interest rates are determined by the terms of your investment, not by the dollar amount invested.
Typically, yes, you can add to your investment note(s) at any time. If for any reason your investment note becomes closed to additions, we will give you 30 days advance notice.
You can use our compound interest calculator to calculate future earnings. You can even compare compounding interest against regular monthly additions over time.
Your investments are not “secured.” Investments with GenFi Ministries cannot be covered under the FDIC insurance program, because GenFi Ministries is a ministry, not a bank.
GenFi Ministries’ total net assets exceeded $15 million as of December 31, 2024. See our Offering Circular for more information.
Your investment supports the expansion of Assemblies of God churches and ministries through our loan program. See our Offering Circular for more information regarding our activities and the use of proceeds when you invest with us. See the impact investments with GenFi Ministries have for ministries nationwide.
Your beneficiaries will need to contact GenFi Ministries and provide a certified death certificate. They will also need to inform GenFi Ministries in writing whether they want to cash out the investment note(s) or hold it to maturity.
Yes. You will need to provide a copy of your trust agreement or complete a Certification of Trust Agreement form. GenFi Ministries requires that we have one of these items before we can set up your investment note in the name of a trust.
An account can be opened with as little as $250.
Opening a penalty-free access investment is easy.
Your money can earn 1.50% APR with penalty-free access right away! Read our Offering Circular and complete a short application form to get started!
Investing with Purpose
Investments with GenFi Ministries support churches and ministries.
When you invest with GenFi Ministries, you help build up Assemblies of God churches all over the United States. Thanks to the investments of thousands of individuals and families, we can support the health, vitality, and continued success of hundreds of ministries. Your investment is not just earning a return for you…it’s earning a return for the Kingdom and creating a generational impact.