InvestedIn Ministry
Are you seeking Biblically responsible investments to help your church or family save for the future?
Individuals, churches and organizations can invest in ABEC Notes, which yield attractive returns over fixed time periods. And from those investments come enhanced ministries for churches.
When you invest in ABEC Notes, you know what your funds will be used to support. You are investing in ministries, which in turn promote the stewardship of resources.
You can begin investing with as little as $100.
ABEC Term Notes
Long-term investments
ABEC Term Notes pay interest according to the length of time invested, currently from one to five years. The longer the investment, the higher the interest paid. Standing behind your funds are the assets of ABEC: the first mortgages that secure ABEC loans and ABEC’s General Fund.
ABEC Demand Notes
Short-term investments
ABEC also provides a plan that allows individuals to earn competitive rates of interest for less than one year. Additional investments of $100 or more can be made to the original investment as often as you like. Interest can be compounded or mailed quarterly. Your interest rate on this investment may change monthly.
What could your investment become?
Interest compounds quarterly, so these figures match the yields on our rate card exactly.
Minimum initial investment is $100.
At maturity — 5 year
$1,196.25
- Interest earned
- $196.25
- Rate
- 3.60%
- Yield to maturity
- 3.93%
- Tier applied
- $1000+
Interest compounds quarterly. This is an illustration using rates in effect July 1, 2026, not an offer or a guarantee of return.
ABEC Fixed-Rate* Term Notes
As of July 1, 2026
Since its founding in 1959, ABEC has always paid interest and returned principal on time.
| Term | Rate | Yield to maturity | Minimum investment |
|---|---|---|---|
| Demand | 1.10% | 1.10% | $100 |
| 1-Year | 2.50%2.60% | 2.52%2.63% | $250$1000 |
| 18 Months | 2.60%2.70% | 2.64%2.75% | $250$1000 |
| 2 Year | 2.75%2.85% | 2.82%2.92% | $250$1000 |
| 30 Months | 2.80%2.90% | 2.89%3.00% | $250$1000 |
| 3 Year | 3.00%3.10%3.50% | 3.13%3.24%3.67% | $250$1000$5000 |
| 4 Year | 3.25%3.35% | 3.46%3.57% | $250$1000 |
| 5 Year | 3.50%3.60% | 3.81%3.93% | $250$1000 |
- * Tiered rates are based on the initial investment amount only.
- Interest rates on new Term Notes are subject to change without notice.
- The Demand Note rate is subject to change monthly.
- Investment involves certain risks as more fully described in the Offering Circular.
- Past performance is not a guarantee of future results.
Your return has an address. Invested funds become first-mortgage loans to American Baptist churches — not speculation.
Make it a family priority. Children and relatives of investors can invest as well. ABEC Notes can be gifted or bequeathed.
How will ABEC Notes help you fulfill your investing goals?
This is not an offer to sell our securities and we are not soliciting you to buy our securities. We will offer to sell our securities only in states where authorized. The offering is made solely by our Offering Circular. Our securities are not insured by the FDIC or any other state or federally regulated institution. Rates may change without notice. ABEC Notes are not currently available in AR, FL, LA, ND and TN. ABEC Notes are not sold through licensed financial advisors in all states. ABEC does not perform a suitability analysis prior to offering or selling the Notes. Investors must assess their own investment objectives prior to making an investment decision. Past performance is not a guarantee of future results.