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Reflect your values with socially responsible investments from DCEF.

More than simple financial transactions, your investments reflect your values. When you invest with Disciples Church Extension Fund, you demonstrate how much you value the Disciples ministries your investments support, while you earn competitive rates of return that benefit you and your family.

Whether you’re investing for retirement, planning for a child’s education or simply looking for a more attractive rate on your investment, DCEF offers socially responsible investment options for all of life's financial needs.

The outcome? A great investment for you and your loved ones. And stronger congregational ministries and mission made possible, in part, by the DCEF loans and services your investments support.

Whatever your investment goals, contact us to find out how Disciples Church Extension Fund can offer you investment options at the intersection where value and values meet.

Check out our current rates for individuals and congregations.

Note that the information available on this website does not constitute an offer to sell or a request to buy investments. We offer and sell our securities only in states where authorized. The offer is made only in the Offering Circular, which should be read carefully regarding any investment risks.

We recommend that you review information on investor eligibility and state-specific disclosures Like mutual funds or stocks, our securities are not insured by the FDIC or any other government agency. Investments involve certain risks more fully described in the Offering Circular. Rates may change without notice. Disciples Church Extension Fund does not offer financial advisory services.

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Plan your retirement with Disciples Church Extension Fund.

You work hard. And, you want your money to work hard for you. Disciples Church Extension Fund offers a variety of retirement investment options, including Traditional and Roth IRAs, and decades of expertise and proven resources to help you build that nest egg for your family’s retirement.

Go to Retirement Central View IRA Service Center

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What socially responsible investment opportunities are available with Disciples Church Extension Fund?

Congregational Investments

For congregations and organizations

Demand Notes
Fixed Rate Term Notes
Variable Rate Term Notes

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Individual Investments

For Individuals

Demand Notes
Fixed Rate Term Notes
Variable Rate Term Notes
Traditional and Roth Individual Retirement Accounts (IRAs)
Kid Builder Notes
Educational Growth Notes

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Why invest with Disciples Church Extension Fund?

A shared faith

While other financial institutions focus on benefiting shareholders, DCEF uses the money you invest in a socially responsible way, to provide loans and other services that strengthen congregational mission and ministries. In other words, your money is working to further our common values and benefit the Church you love.

Long-standing history

For more than 135 years, Disciples Church Extension Fund has been an investing choice for socially responsible Disciples, with more than 2,000 individual and 800 congregations/organizations currently investing with us. Investors have earned positive returns every year since 1933. As with any investment, past performance does not guarantee future returns. Our Offering Circular provides extensive information about DCEF’s financial strength and integrity.

Our expertise

Investor Services provides dependable customer service to Disciples Church Extension Fund investors and administers DCEF’s Securities compliance operations. Our current team offers more than 25 years combined experience of financial and investor relations. The team holds IRA Services Professional certification and is fluent in both English and Spanish.

Our personal service

We love being on a first-name basis with you! While you can securely manage and conduct most of your investment transactions online—including automatic payment withdrawal—highly qualified DCEF investor relations staff members are only a phone call away. They can answer your questions and walk you through any transactions you’d like to make. Many of our investors stop by our office or find us at events to discuss their investments with us face-to-face.


When markets present rate volatility, DCEF’s One Time Step-Up Feature enables you to upgrade to current interest rates for the remaining time on your original Investment Note term. This feature is available one time per Note on some Investment products. See the Offering Circular for details.

Many choices, one stop

Looking for more attractive rates of return? Saving for retirement or a child or grandchild’s education? Our socially responsible Investment Notes put your money to work for a specific timeframe with a fixed interest rate OR give you the flexibility to add or withdraw funds while your interest rate moves with our loan rates. DCEF’s Traditional and Roth IRAs are excellent options to grow your retirement nest egg. Our Education Growth Notes can help you save for a child’s education, while our Kid Builder Notes can teach children the value of stewardship, as they help to strengthen our Church.

Hear from our investors

David Sutter

“When we have extra funds, we ask ‘What can we do to support Disciples Church Extension Fund’s efforts for our churches?’ We invest with them because we want to help the great cause of the Christian Church and, in return, we receive a predictable rate of return, which exceeds my expectations. I love working with the friendly and competent staff!”

David Sutter
Washington, IN



“We started investing in IRAs and Notes with Disciples Church Extension Fund because of the rates and it was a good fit for us with the connection to our denomination. Then, we decided to invest in Notes for our grandchildren’s educations. It’s convenient because it comes out of our checking account automatically each month. Our oldest grandchild has already used hers to study art in Italy, which was pretty special for her. We like investing with DCEF because when we call, we feel like there’s always a real connection there.”

Barbara Ann Free and Jay Johnson
Albuquerque, NM


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