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Columbia Union Revolving Fund

Resources

Noteholders

Wire Transfer Form

Funds can be sent by CURF by wire transfer to a bank account. Wire transfers require an additional processing fee per transfer.

Download

Wire Transfer Third Party Form

Use this form when you need to use your CURF loan proceeds to pay a third party.

Download

Withdrawal/Note Paid Request Form

To withdraw from or close your account, send a Letter of Request signed by the account holder to CURF.

Download

Offering Circular

If you are already a Noteholder and have an account with CURF, read our annual Offering Circular.

Download

Subscription and Note Terms and Conditions

Review terms and conditions

Download

Address Change Form

Need to change your address? Download, fill out, and submit the Address Change Form to CURF.

Download

Transfer on Death (TOD)—Beneficiaries

Designate your beneficiaries with the Transfer on Death (TOD)-Beneficiaries form.

Download

Electronic Consent Form

Complete the Electronic Consent Form to receive documents electronically.

Download

Savings Calculator

Estimate your investment growth over time using the Savings Calculator.

Calculate

Offering Circular

If you are already a Noteholder and have an account with CURF, read our annual Offering Circular.

Download

Subscription and Note Terms and Conditions

Review terms and conditions

Download

Address Change Form

Need to change your address? Download, fill out, and submit the Address Change Form to CURF.

Download

Transfer on Death (TOD)—Beneficiaries

Designate your beneficiaries with the Transfer on Death (TOD)-Beneficiaries form.

Download

Electronic Consent Form

Complete the Electronic Consent Form to receive documents electronically.

Download

Savings Calculator

Estimate your investment growth over time using the Savings Calculator.

Calculate

Loans

CURF Loan Application

Download and complete all sections including required signatures and send to your conference treasurer.

Download

Wire Transfer Form

Funds can be sent by wire transfer to a bank account. Wire transfers require an additional processing fee per transfer.

Download

Wire Transfer Third Party Form

Use this form when you need to use your CURF loan proceeds to pay a third party.

Download

Conference Loan Approval

After voting to approve your entity's application for a loan, mail both the local entity's CURF Loan Application and Conference Approval Form to CURF.

Download

Address Change Form

Need to change your address? Download, fill out, and submit the Address Change Form to CURF.

Download

Online Access Form

Download and complete all sections and submit the Online Access Form to CURF.

Download

Amortizing Loan Calculator

Estimate your monthly loan repayments, principle and interest due using the Amortizing Loan Calculator.

Calculate

Loan Comparison Calculator

Calculate and compare monthly payments and interest for multiple loans.

Calculate

Conference Loan Approval

After voting to approve your entity's application for a loan, mail both the local entity's CURF Loan Application and Conference Approval Form to CURF.

Download

Address Change Form

Need to change your address? Download, fill out, and submit the Address Change Form to CURF.

Download

Online Access Form

Download and complete all sections and submit the Online Access Form to CURF.

Download

Amortizing Loan Calculator

Estimate your monthly loan repayments, principle and interest due using the Amortizing Loan Calculator.

Calculate

Loan Comparison Calculator

Calculate and compare monthly payments and interest for multiple loans.

Calculate

Videos

How to Complete a CURF Loan Application

Glossary

Churches and other Seventh-day Adventist affiliated entities within the Columbia Union territory that take loans from CURF to help finance construction, acquisition, renovation, and other capital improvement projects.

An approval document that confirms that your local conference has reviewed the loan application and the necessary governing body voted the loan amount and term amount. Every Loan Application must be accompanied by a Conference Approval Sheet when submitted to CURF.

A detailed schedule for a construction project that explains when loan funds will be disbursed to the Borrower. Every loan application must be accompanied by a proposed Draw Schedule.

A formal assurance or promise made by a related party that a loan will be repaid. Substantially all of our loans to non-conference entities are guaranteed by the respective conference.

An individual or organization holding a promissory note payable on 90-day demand issued by CURF.

A legal document used to offer and sell securities, such as CURF’s Notes, which describes in detail the terms and conditions of the offer, the issuer (CURF) and its financials, operations and history, how the funds raised by the offering will be spent, and other information that an investor may consider material in deciding to invest in the securities being offered.

An agreement obligating the issuer to pay a stated sum to the holder of the promissory note at a specified date or on demand. We use the term “Note” to refer to the promissory notes that we sell, which are payable within 90 days of your written demand for payment.

Individuals who are residents of the Columbia Union territory (Delaware, District of Columbia, Maryland, New Jersey, Ohio, Pennsylvania, Virginia, and West Virginia) and hold membership in the Seventh-day Adventist Church, and entities affiliated with the denomination located in the Columbia Union territory.

A document sent to Noteholders every quarter and Borrowers every month that depicts their account activity, such as account balance, interest accrued, investments, payments, and withdrawals.

The purchase agreement that a prospective investor submits to CURF, which, once accepted, binds CURF to sell the stated amount of Notes to the prospective investor at the face value stated therein and binds the prospective investor to pay the stated price to CURF in exchange for the Notes. In order to become a Noteholder, a prospective investor must review, complete and execute a Subscription Agreement and then submit it to CURF with payment for the Notes to be purchased.