We offer investments to fit everyone: individuals, congregations, and kids too! Please review our various investments and current interest rates and decide for yourself which one is right for you. Or call one of our Investor Services Representatives at 888-951-1233 for assistance. When you’re ready to get started, you can download an application.

Investments for Individuals

Flex Savings

Flex Savings investments are a great short-term investment. The minimum balance requirement is only $10. Investments and withdrawals can be made at any time without penalty. These are particularly good investments for children and grandchildren. Filled books of K.I.D.S. stamps or checks can be mailed in to add to these investments.

Rainy Day Fund

This is a savings plan that permits additions to the initial investment (minimum of $25). This plan requires a monthly EFT (Electronic Funds Transfer) investment of at least $25 until the balance in the investment reaches $10,000. Withdrawal payments are limited to 5 per year. The interest rate will be at least ¼ of a percent above the Flex Savings rate for the first $10,000 and will pay the Flex Savings rate on any amount above $10,000.  A recurring EFT investment of at least $25 per month is required to receive the premium rate unless the balance is above $10,000. If this condition is not met, the investment will convert to a Flex Savings investment. Deposit receipts are mailed each month after the deposit date. Initial funds must be new and not a transfer from an existing CEF investment. Limit one per household.

Fixed-Rate Term Notes

One-year, three-year and five-year fixed rate notes are available with a minimum investment of $500. Rates for these notes are fixed at the time the investment is opened. Additions may be added at maturity. Funds may be withdrawn at maturity without penalty. The early withdrawal charge is equal to three month’s interest for one-year and three-year notes and six month’s interest for five-year notes.

Floating-Rate Term Notes

One-year, three-year and five-year floating-rate notes are available with a minimum investment of $500. Rates for these notes float (change) during the term of the investment. Additions are permitted at any time in minimum amounts of $25. This makes these investments ideal for a regular savings plan utilizing Texas CEF’s electronic funds transfer service. Funds may be withdrawn at maturity without penalty. The early withdrawal charge is equal to three month’s interest for one-year and three-year notes and six month’s interest for five-year notes.

Individual Retirement Accounts

Except for the Rainy Day Fund, all individual Texas District CEF investments (FLEX, fixed and floating rate notes) may be included in a Texas District CEF IRA portfolio. Through our custodian GoldStar Trust Company, Texas District CEF offers Traditional IRAs, Roth IRAs, ESAs, SEPs, and SIMPLE plans.

Click here for further information and forms.

Kids Can Save Too

Texas CEF has two savings programs for children, KIDS Stamps and Super Savers.

Click here to learn more about KIDS Stamps.

Click here to learn more about Super Savers.

What’s Next?

Download an Individual Investment Application.

View our Terms and Conditions.

Please see the Offering Circular for complete investment information.

Investments for Congregations

Congregation Savings

Designed to provide a short-term investment vehicle for congregation funds. The investment features a variable interest rate, monthly compounding of interest and monthly statements. Additional investments and withdrawals may be made at any time, in any amount, without penalty.

Building Fund

Designed to provide an investment vehicle for congregations accumulating funds for a building project. The investment features a variable interest rate, monthly compounding of interest and monthly statements. Additional investments may be made at any time, in any amount. Withdrawals for building projects may be made at any time, without penalty. A substantial interest penalty is charged for withdrawals for any other purpose.

What’s Next?

Download a Congregation Investment Application.

Please see the Offering Circular for complete investment information.

Forms and Rates

2022 December Dollar-sized Rate Sheet

Important Forms and Publications for Investors

Click on one of the forms below to download it. Our typeable forms can be filled out using a PDF reader such as Adobe Reader. Print, sign, and mail completed forms to us at:

Texas CEF
7900 East Highway 290
Austin, TX 78724

Click here for a complete list of forms.

December 2022 Rates

Fixed-Rate Term Note: 1 Year


(APY 3.03%)

Fixed-Rate Term Note: 3 Years


(APY 2.78%)

Fixed-Rate Term Note: 5 Years


(APY 2.52%)

Floating-Rate Term Note: 1 Year


(APY 2.52%)

Floating-Rate Term Note: 3 Years


(APY 2.68%)

Floating-Rate Term Note: 5 Years


(APY 2.98%)

Congregation Savings


(APY 1.26%)

Building Fund Savings


(APY 2.27%)

FLEX Savings


(APY 1.00%)

Rainy Day Fund


(APY 1.00%)
**Amounts over $10,000 receive the Flex Savings rate.


Texas Two-Step

Texas Church Extension Fund and Texas Partners in Mission are pairing up to increase financial resources available for starting new ministries in Texas. Every dollar contributed to Texas Partners in Mission goes directly to support missions in the Texas District.


An investor opens a new fixed-rate investment of $5,000 or more and gives a gift of at least 10% of the initial investment amount to Texas Partners in Mission.


Texas District Church Extension Fund will match the gift 100% to Texas Partners in Mission AND will pay a bonus 1% interest rate for the initial term of the investment.

Click here to partner with us Today!

K.I.D.S. Stamp Program

(Kids Into Discipleship and Stewardship)

One way that young people can actively support the ministry is through Texas CEF’s KIDS Stamp Program. This program, offered in day schools and Sunday Schools, allows children to purchase stamps that can be exchanged for CEF investments upon completion of a stamp booklet. Kids also learn the benefits of saving while getting involved in the ministry. Hundreds of young people throughout Texas are participating in the ministry of CEF, learning biblical stewardship principles, and saving for the future through the KIDS Stamp Program.

Savings Incentives

With each investment of $10 or more, a child receives a sticker and a token worth 25 cents toward their next investment. We provide a 25 cent token and a prize for investments of $10 or more until the account reaches $500. It is an even greater joy for stewards of any age to watch the church grow.

What’s Next?

To learn more, contact us at 888-951-1233 (toll free) or 512-646-1233 or email invest@texascef.org.

Super Savers

Super Savers is an intentional and age appropriate program that teaches children ages 5-18 financial responsibility, stewardship, and discipleship.

Super Starters: Ages 5-7

Super Stars: Ages 8-11

Super Stewards: Ages 12-18


How it works:

Every year, a Super Saver can earn special certificates as they reach savings levels annually as well as when they meet their savings goal for the year. Plus, all Super Savers can enter quarterly contests to win prizes! Click here for full details.

Have questions? Please contact us at invest@texascef.org or 1-888-951-1233.

My Texas CEF

What is My Texas CEF?

My Texas CEF is a free secure online service in which investors and borrowers can quickly access Texas CEF investment and loan information, as well as set up transactions.

My Texas CEF promotes the good stewardship of resources. By using this financial service, you help us reduce administrative costs, which in turn allow us to keep loan rates to churches as low as possible. Enjoy the ease and convenience of accessing your Texas CEF investment information—anywhere you have Internet access!

Highlights Include:

  • View real time transactions
  • View history and balances
  • Change your contact information
  • Purchase new investments
  • Set up electronic funds transfers

Enroll Now

Individual investors may register by calling 888-951-1233 or by completing the Individual Enrollment Form. Mail the completed form to:

7900 E Hwy 290, Austin, TX 78724

Once Texas CEF receives the enrollment form, a My Texas CEF personalized Activation Code will be issued by Texas CEF. The investor will be notified by phone. A joint account holder wanting My Texas CEF access must complete a separate request.


(For current CEF customers)

User Name