Canadian Baptists of Ontario and Quebec

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
• At a minimum amount of $1,000.00
• In multiples of $100.00
• For a term of:
  • One year bearing interest at 3.95%
  • Two years bearing interest at 4.15%
  • Three years bearing interest at 4.15%
  • Four years bearing interest at 4.25%
  • Five years bearing interest at 4.35%

– Rates reviewed December 2022 –

• 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.