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UCC CBLF

Financing Rates & Terms

Rates and Terms

Our loan programs are available for site purchase, construction and renovation, building purchase, loan refinancing, energy and environmental upgrades and disaster recovery. 

CB&LF serves new United Church of Christ congregations that are younger than 30 years, as well as renewing UCC congregations of any age and Christian churches (regardless of denomination) in the U.S. 

CB&LF also cooperates with the Cornerstone Fund on large and innovative church projects that advance the mission of the denomination.


The United Church of Christ Church Building & Loan Fund Loan Programs are available for site purchase, construction and renovation, building purchase, loan refinancing, energy and environmental upgrades, and disaster recovery. Church Building & Loan Fund serves new United Church of Christ congregations that are younger than 30 years, as well as renewing UCC congregations of any age and Christian churches (regardless of denomination) in the U.S. The Fund also collaborates with the Cornerstone Fund on large and innovative church projects that advance the mission of the denomination.

Adjustable Rate Loans

Adjustment Period Rate
1-Year 1-Year U.S. Treasury + 3.25%
3-Year 3-Year U.S. Treasury + 3.50%

Five-Year Fixed Rate Loans
$25,000 minimum

Amortization/Term Rate
5-Year Fixed As low as 4.00%*
15-Year Amortization As low as 4.25%*
20-Year Amortization As low as 5.00%*
30-Year Amortization As low as 5.25%*
* Lower pricing available based on participation in the Interest Rate Rebate program. Minimum down payment or equity in property varies by loan type.

Partner Programs & Services

Capital Campaign Services

  • Free Information Meeting
  • Answers to Basic Questions
  • Feasibility Study
  • Guided Campaign Services

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