An investment option with a premium rate, no monthly fees, convenient access

Is The Rainy Day Fund Right For You?

Be Intentional

The Rainy Day Fund is a way to save for something specific with a premium interest rate.

Be Prepared

Prepare for the unexpected with the Rainy Day Fund. Set up a monthly EFT for hassle-free regularity.

Be A Steward

With the Rainy Day Fund, you can be prepared AND impact ministry.

How it works


This is a savings plan that permits addition 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. Initial funds must be new and not a transfer from an existing CEF investment. Limit one per household.


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. An investment record of additions, subtractions and interest earnings is mailed to the investor semiannually.

Support Churches

Our goal is to anticipate and be responsive to the ministry needs of the future; to continue to provide quality services, resources, training and leadership, and vision to meet those needs. We will continue to assist congregations to reach the lost, disciple the saved and care for people-locally and globally as we identify new and creative ministry opportunities throughout Texas.