CBOQ’s Certificate Loan program provides a unique, practical opportunity to extend the kingdom of God in our member churches. Instead of leaving your investment with a bank or credit union, you can directly invest with CBOQ and support member churches that have a need for a mortgage.

Certificate Loans made to the Canadian Baptist of Ontario and Quebec assist with CBOQ’s Church Mortgage Program. Loans evidenced by promissory notes executed under CBOQ’s corporate seal may be secured:

  • at any time
  • in multiples of $100.00
  • for a term of
  • one year bearing interest at 1.35%
  • two years bearing interest at 1.75%
  • three years bearing interest at 2.0%
  • four years bearing interest at 2.25%, or
  • five years bearing interest at 3.0%

– Rates as of September 4, 2014 –

  • with interest payable on the anniversary date each year

A small penalty is charged for early redemption.

At the end of the term your loan may be:
1. Renewed for a further term
2. Redeemed
3. Donated to CBOQ

In addition you may donate your interest to CBOQ.

Download Certificate Loan Application Form