Kingdom Investments For Ministries

Limited-Time Special Interest Rate: 5.85% APR 5-Month Term Investment

Grow What God Has Given

Investments That Fund Ministry

Kingdom Investments are designed to create income. These investment opportunities are ideal for churches, ministries and Christian organizations that seek a set rate of return over a variety of terms.* We call them Kingdom Investments because in addition to multiplying your church’s financial resources, your investment will help grow Southern Baptist churches and other faith-aligned congregations across the United States. WatersEdge uses your ministry’s invested dollars to provide competitive loans to churches seeking to purchase, build, renovate or refinance their facilities. The interest that these congregations pay on their loans provides the return on your ministry’s investment. Learn more in our Offering Circular.

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Illustration of our loan and investment cycle.

Great Rates. Great Commission Impact.

Kingdom Investments feature two cash growth options: Demand Investments and Term Investments. Demand Investments provide the flexibility to withdraw funds on demand (high liquidity), while Term Investments are designed to lock-in interest rates over a fixed time frame. Both options offer excellent yields.

Limited-Time Special Interest Rate

For new money and renewals. Not available for proceeds of early redemption of existing WatersEdge Term Investments.

 
$1,000 Minimum
$100,000 Minimum

Five-Month

5.85% APR
5.95% APR

 

 

  • This 5-month investment will automatically renew for an additional one-year term at prevailing rates at maturity, absent client instruction, subject to our Offering Circular and state requirements.
  • APR fixed for investment term; interest compounds quarterly
  • Early withdrawal fees apply (see “Investment Details” below)
  • Not FDIC or SIPC insured; investment involves the risk of loss
  • Learn more in our Offering Circular or review our Terms and Conditions

Term Investments

Fixed interest rates and investment are ideal for ministries seeking an expected return over their choice of time period.**

 

 
$1,000 Minimum
$100,000 Minimum

Six-Month

4.85% APR
4.95% APR

One-Year

5.15% APR
5.25% APR

Two-Year

4.60% APR
4.70% APR

Five-Year

4.35% APR
4.45% APR

 

 

Demand Investments

Grow cash at competitive rates with no commitment; withdraw funds at any time, penalty-free. Ideal for ministries with short-term investment windows that need to access funds on-demand.

 

 
$1,000 Minimum
$100,000 Minimum

Demand

2.60% APR
2.70% APR

 
  • APR may vary monthly; compounds monthly
  • Principal and interest available on demand; no early withdrawal fee
  • Not FDIC or SIPC insured; investment involves the risk of loss
  • Learn more in our Offering Circular or review our Terms and Conditions

How To Invest

Invest from anywhere in 15 minutes or less using our secure online application and electronic funds transfer.

 

APPLY ONLINE

Our convenient digital application saves time and minimizes paperwork. Click the “Invest Today” button below to get started.

Step 2

WATCH YOUR MONEY GROW

Redeem your principal and interest at the end of your term or reinvest and allow your ministry’s money to continue to grow.

Step 3

IMPACT GOD’S KINGDOM

Your ministry’s investment is used to advance the Gospel by providing biblically grounded financing that helps churches transform lives with the Gospel.

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Why Kingdom Investments?

Kingdom Investments are ideal for churches, ministries and Christian organizations that seek growth of cash assets through short- to mid-term investment opportunities.

percentage sign

Earn More Interest

Great rates make your money work harder, multiplying resources and maximizing return.

Steady upward projecting arrow

Lock In Rates

Avoid the ups and downs of the stock market; fixed yields on Term Investments mean you can grow cash with less volatility.**

Two bendy arrows

Uber Flexible

Invest cash on a daily, monthly or yearly timeframe; multiple options are available to meet your ministry’s unique needs and goals.

Four arrows that make a Christian cross

Impact Ministry

Unlike traditional financial institutions, WatersEdge uses your ministry’s investment to grow churches through our Ministry Loan program.

Your Impact

1,900+
Ministry Projects Funded

$715
Million
Loans Funded

1,150+
Churches & Ministries Served

Statistics cumulative since inception; updated 1/23/24.

 

Kingdom Impact: Storyline Church

Your ministry’s investment provides the capital we use to make loans to churches. Watch this video to see how a WatersEdge loan helped Colorado-based Storyline Church meet the needs of its growing congregation.

Go Deeper

Investment Details

Investment Allocation

WatersEdge uses Kingdom Investments proceeds primarily to fund loans to Southern Baptist churches and other faith-aligned ministries but also maintains cash, cash equivalents and readily marketable securities for operating and reserve liquidity.

 

Risk Factors

Kingdom Investments are not FDIC or SIPC insured and are subject to certain risk factors as described in our Offering Circular.

 

Fees/Penalties

  • There are no service fees associated with investing in Kingdom Investments, but there is an early redemption penalty for redeeming a Term Investment prior to its maturity date.
  • For terms 1 year or shorter, the penalty is 90 days of accrued interest; for terms longer than 1 year, the penalty is 180 days of accrued interest. The penalty is limited to accrued interest and doesn’t invade the initial principal investment.

 

Minimums

The minimum balance needed to establish and maintain a Kingdom Investment (either a Demand Investment or a Term Investment) is $1,000.00.

 

Interest

  • Interest is accrued daily and paid on the last day of the month for Demand Investments and at the end of the calendar quarter for Term Investments.
  • Interest is added to the principal balance of the Kingdom Investment unless an investor requests that it instead be withdrawn either at the time of application or in any subsequent notice.

 

Tax Aspects

  • Interest will be taxable as ordinary income in the year it is paid or accrued regardless of whether it is actually paid out to an investor, and investors will receive a 1099-INT from WatersEdge.
  • Investors do not receive a charitable deduction when purchasing Kingdom Investments.
  • In addition to consulting the Offering Circular for more details, prospective investors are encouraged to consult with a tax advisor.

 

Online Account Access

Investors may register for online account access to get real-time access to their investment information, retrieve statements and submit transfer requests.

Who Can Invest?

Investment opportunities are available to individuals, ministries and businesses who align with our desire to transform lives with the Gospel of Jesus Christ, and who fit within our “Limited Class of Investors” as defined in our Offering Circular. Generally, this includes:

  • Members or regular attenders of Southern Baptist churches or “Faith-Aligned” evangelical Christian churches
  • Current or former WatersEdge clients
  • Southern Baptist or “Faith-Aligned” evangelical Christian churches, ministries, organizations and institutions
  • Businesses owned by members or regular attenders of Southern Baptist churches or “Faith-Aligned” evangelical Christian churches
FAQ

Are Kingdom Investments a new service offered by WatersEdge?

Kingdom Investments isn’t a new service, but it is being made available to new types of investors. For years, WatersEdge has provided churches and ministries with investment opportunities related to its church loans but is now making those opportunities available to individuals, businesses and trusts that meet eligibility requirements.

Is it unusual for a nonprofit Christian financial services organization like WatersEdge to offer investments to individuals?

Many faith-based financial organizations who provide investments through a Church Extension Fund offer opportunities to individuals.

How do Kingdom Investments help churches and ministries?

WatersEdge uses the proceeds from Kingdom Investments to provide financing for Southern Baptist churches and related ministries who are purchasing, building, renovating or refinancing their facilities.

Does the addition of individual investors change the mission of WatersEdge?

Every service we offer is anchored by our purpose statement: to financially empower donors and ministries to transform lives with the Gospel. We believe Kingdom Investments enhances our ability to provide financing to growing churches and ministries across the United States, creating more opportunities to support Kingdom work.

*WatersEdge securities are subject to certain risk factors as described in our Offering Circular and are not FDIC or SIPC insured. This is not an offer to sell or solicit securities. WatersEdge offers and sells securities only where authorized; this offering is made solely by our Offering Circular. **Though not subject to market volatility, investment growth is not guaranteed and is subject to other risk factors as described in our Offering Circular.