Kingdom Investments – 2026 DRAFT

Invest with Purpose

INVEST TODAY

Personal Investments That Build Churches

Want to help churches reach more people for the Gospel while growing your investment? WatersEdge offers competitive rates for your cash so we can provide loans to churches across the country. Learn more in our Offering Circular.

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Illustration of our loan and investment cycle.

Why Kingdom Investments?

Kingdom Investments are ideal for ministry-minded individuals as well as churches and other Christian organizations who seek growth of cash assets through short- to mid-term investment opportunities.

Earn More Interest

Great rates make your money work harder, multiplying resources and maximizing return.

Lock In Rates

Avoid the ups and downs of the stock market; fixed yields on Term Investments mean you can grow cash with less volatility.**

Uber Flexible

Invest cash on a daily, monthly or yearly timeframe; multiple options are available to meet your unique needs and goals.

Impact Ministry

Unlike traditional financial institutions, WatersEdge uses your investment to grow churches through our Ministry Loan program.

Our Rates

Demand Rate

Grow cash at competitive rates with no commitment; withdraw funds at any time, penalty-free. Ideal for short-term investors who need to access funds on-demand.*

Current Demand Rate

3.25%

Term Rates

Fixed interest rates and investment periods are ideal for investors who seek an expected return over their choice of time period.**

6-Month Term	3.75%
One-Year Term	4.30%
13-Month Term***	4.55%
Two-Year Term	3.85%
Five-Year Term	4.00%

Kingdom Impact Fund Rate

The Kingdom Impact Fund is an allocation option within your donor advised fund (DAF) that invests in Kingdom Investments. This allocation allows charitable assets to be used to support loans for church expansion and ministry projects, while earning a fixed rate of return.

Kingdom Impact Fund Rate

4.00%

Interest rates are presented as annual percentage yield (APY) and are subject to change. Not FDIC or SIPC insured; investment involves the risk of loss; Learn more in our Offering Circular or review our Terms and Conditions.

*Demand Investments: Interest compounds monthly; Principal and interest available on demand; No early withdrawal fee.
**Term Investments: Interest compounds quarterly; Early withdrawal fees apply (see “Investment Details” below)
***Limited-Time Special Interest Rate: For new money and renewals. Not available for proceeds of early redemption of existing WatersEdge Term Investments. The 13-month investment will automatically renew for an additional 12-month term at prevailing rates at maturity, absent client instruction, subject to our Offering Circular and state requirements

How To Invest

Invest in 15 minutes or less using our secure online application and electronic funds transfer.

APPLY ONLINE

Our convenient digital application saves time and minimizes paperwork. Click the “Invest Today” button below to get started.

WATCH YOUR MONEY GROW

Redeem your principal and interest at the end of your term or reinvest and allow your money to continue to grow.

IMPACT GOD’S KINGDOM

Your investment is used to advance the Gospel by providing biblically grounded financing that helps churches transform lives with the Gospel.

INVEST TODAY

What will I need to get started?

Average time to complete: 15 minutes

You’ll be asked to:

Review our Offering Circular
Choose Account Type (Personal, Trust, Ministry, Business)
Provide Personal Information (Social Security #, Address, Contact)
Choose Your Investment Type and Amount
Enter your banking information (Electronic Bank Transfer or send a voided check)
Choose a beneficiary

How do you keep my information safe? We use industry-leading data encryption to ensure your information stays secure throughout the entire application process. For those who choose to fund their account through an electronic bank transfer, we use Plaid to facilitate your account verification. Some applicants may not be eligible for Kingdom Investments based on their geographic location.

Start an application

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Serving Churches Since 1954

Over 70 years of ministry lending experience

Church extension funds have helped finance church buildings for decades across many denominations. WatersEdge operates within this long-standing model.

Today, we serve more than 300 churches in 30 states with a loan portfolio exceeding $260 million.

Our lending philosophy is deliberately disciplined, and our Offering Circular provides a detailed explanation behind the summarized information below:

Board-governed lending oversight
Conservative loan-to-value standards
Loans secured by real property collateral
Annual independent audits

Join thousands of believers and churches who fuel Kingdom work and grow their cash through Kingdom Investments.

First Baptist Church, Dewey, Oklahoma, was the first church to receive a loan from WatersEdge (formerly the Baptist Foundation of Oklahoma) in 1954.

Kingdom Investments are not FDIC or SIPC insured and involve risk. While every investment involves considerations, our long history, focused mission, and track record with churches that faithfully meet their obligations give us a strong foundation for informed decision-making. We strongly encourage all prospective investors to review our offering circular for full details before investing: https://www.watersedge.com/offering-circular/

Download Offering Circular

“I first found out about WatersEdge and started investing in Kingdom Investments with personal money. So, when it came time for [our church] to look in the financing options, I said, ‘Let’s call them and see if that could be a solution for us.’ And it wound up being a perfect solution and so easy to work with, and it’s been a great marriage for ministries.” Perry Gagliano Executive Pastor, Redeemer Church | Rockford, IL

“Kingdom Investments is a really good thing. If you have money that you’re looking to invest, then you’re helping your church and you’re also helping another church. I think it’s a win, win.” Mark Smith Pastor, Memorial Heights Baptist Church | Claremore, OK

Your Impact

2,000+

Churches and Ministries Served

$789 Million

Loans Funded

$14 Million

Returned to Investors Since 2018

Statistics cumulative since inception unless noted; updated 2/28/25.

BE A PART OF THE STORY

How Your Investment Helps Churches

Watch this 2-minute video to find out.

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Go Deeper

Investment Details

Investment Allocation

WatersEdge uses Kingdom Investments proceeds primarily to fund loans to Southern Baptist churches and other faith-aligned ministries but also maintains cash, cash equivalents and readily marketable securities for operating and reserve liquidity.

Risk Factors

Kingdom Investments are not FDIC or SIPC insured and are subject to certain risk factors as described in our Offering Circular.

Fees/Penalties

There are no service fees associated with investing in Kingdom Investments, but there is an early redemption penalty for redeeming a Term Investment prior to its maturity date.
For terms 1 year or shorter, the penalty is 90 days of accrued interest; for terms longer than 1 year, the penalty is 180 days of accrued interest. The penalty is limited to accrued interest and doesn’t invade the initial principal investment.

Minimums

The minimum balance needed to establish and maintain a Kingdom Investment (either a Demand Investment or a Term Investment) is $1,000.00.

Interest

Interest is accrued daily and paid on the last day of the month for Demand Investments and at the end of the calendar quarter for Term Investments.
Interest is added to the principal balance of the Kingdom Investment unless an investor requests that it instead be withdrawn either at the time of application or in any subsequent notice.

Tax Aspects

Interest will be taxable as ordinary income in the year it is paid or accrued regardless of whether it is actually paid out to an investor, and investors will receive a 1099-INT from WatersEdge.
Investors do not receive a charitable deduction when purchasing Kingdom Investments.
In addition to consulting the Offering Circular for more details, prospective investors are encouraged to consult with a tax advisor.

Online Account Access

Investors may register for online account access to get real-time access to their investment information, retrieve statements and submit transfer requests.

Who Can Invest?

Investment opportunities are available to individuals, ministries and businesses who align with our desire to transform lives with the Gospel of Jesus Christ, and who fit within our “Limited Class of Investors” as defined in our Offering Circular. Generally, this includes:

Members or regular attenders of Southern Baptist churches or “Faith-Aligned” evangelical Christian churches
Current or former WatersEdge clients
Southern Baptist or “Faith-Aligned” evangelical Christian churches, ministries, organizations and institutions
Businesses owned by members or regular attenders of Southern Baptist churches or “Faith-Aligned” evangelical Christian churches

FAQ

Are Kingdom Investments a new service offered by WatersEdge?

Kingdom Investments isn’t a new service, but it is being made available to new types of investors. For years, WatersEdge has provided churches and ministries with investment opportunities related to its church loans but is now making those opportunities available to individuals, businesses and trusts that meet eligibility requirements.

Is it unusual for a nonprofit Christian financial services organization like WatersEdge to offer investments to individuals?

Many faith-based financial organizations who provide investments through a Church Extension Fund offer opportunities to individuals.

How do Kingdom Investments help churches and ministries?

WatersEdge uses the proceeds from Kingdom Investments to provide financing for Southern Baptist churches and related ministries who are purchasing, building, renovating or refinancing their facilities.

Does the addition of individual investors change the mission of WatersEdge?

Every service we offer is anchored by our purpose statement: to financially empower donors and ministries to transform lives with the Gospel. We believe Kingdom Investments enhances our ability to provide financing to growing churches and ministries across the United States, creating more opportunities to support Kingdom work.

Built for People Like You

Individuals

Read example

A couple planning a future home purchase chose a term investment aligned with their timeline. Their funds remain designated for their home while earning interest and helping support church loans.