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.
DownloadWire Transfer Third Party Form
Use this form when you need to use your CURF loan proceeds to pay a third party.
DownloadWithdrawal/Note Paid Request Form
To withdraw from or close your account, send a Letter of Request signed by the account holder to CURF.
DownloadOffering Circular
If you are already a Noteholder and have an account with CURF, read our annual Offering Circular.
DownloadAddress Change Form
Need to change your address? Download, fill out, and submit the Address Change Form to CURF.
DownloadTransfer on Death (TOD)—Beneficiaries
Designate your beneficiaries with the Transfer on Death (TOD)-Beneficiaries form.
DownloadElectronic Consent Form
Complete the Electronic Consent Form to receive documents electronically.
DownloadAuthorized Representative Summary Form
Complete to update CURF with your entity's Authorized Representatives and grant or deny online access.
DownloadAuthorized Representative Confidential Information Form
Each Authorized Representative on the summary must complete this form.
DownloadBank Information Form
Complete and mail in form to have payments be completed via ACH or Wire.
DownloadSavings Calculator
Estimate your investment growth over time using the Savings Calculator.
CalculateOffering Circular
If you are already a Noteholder and have an account with CURF, read our annual Offering Circular.
DownloadAddress Change Form
Need to change your address? Download, fill out, and submit the Address Change Form to CURF.
DownloadTransfer on Death (TOD)—Beneficiaries
Designate your beneficiaries with the Transfer on Death (TOD)-Beneficiaries form.
DownloadElectronic Consent Form
Complete the Electronic Consent Form to receive documents electronically.
DownloadAuthorized Representative Summary Form
Complete to update CURF with your entity's Authorized Representatives and grant or deny online access.
DownloadAuthorized Representative Confidential Information Form
Each Authorized Representative on the summary must complete this form.
DownloadBank Information Form
Complete and mail in form to have payments be completed via ACH or Wire.
DownloadSavings Calculator
Estimate your investment growth over time using the Savings Calculator.
CalculateLoans
CURF Loan Application
Download and complete all sections including required signatures and send to your conference treasurer.
DownloadWire Transfer Form
Funds can be sent by wire transfer to a bank account. Wire transfers require an additional processing fee per transfer.
DownloadWire Transfer Third Party Form
Use this form when you need to use your CURF loan proceeds to pay a third party.
DownloadConference 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.
DownloadAddress Change Form
Need to change your address? Download, fill out, and submit the Address Change Form to CURF.
DownloadAuthorized Representative Summary Form
Complete to update CURF with your entity's Authorized Representatives and grant or deny online access.
DownloadAuthorized Representative Confidential Information Form
Each Authorized Representative on the summary must complete this form.
DownloadBank Information Form
Complete and mail in form to have payments be completed via ACH or Wire.
DownloadAmortizing Loan Calculator
Estimate your monthly loan repayments, principle and interest due using the Amortizing Loan Calculator.
CalculateLoan Comparison Calculator
Calculate and compare monthly payments and interest for multiple loans.
CalculateBorrower Reassignment Form
Download, complete and submit to the Treasurer at your local conference office.
DownloadConference 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.
DownloadAddress Change Form
Need to change your address? Download, fill out, and submit the Address Change Form to CURF.
DownloadAuthorized Representative Summary Form
Complete to update CURF with your entity's Authorized Representatives and grant or deny online access.
DownloadAuthorized Representative Confidential Information Form
Each Authorized Representative on the summary must complete this form.
DownloadBank Information Form
Complete and mail in form to have payments be completed via ACH or Wire.
DownloadAmortizing Loan Calculator
Estimate your monthly loan repayments, principle and interest due using the Amortizing Loan Calculator.
CalculateLoan Comparison Calculator
Calculate and compare monthly payments and interest for multiple loans.
CalculateBorrower Reassignment Form
Download, complete and submit to the Treasurer at your local conference office.
DownloadMiscellaneous
Mission Possible Assistance Program
Download and complete application and submit to the Treasurer of your local conference office.
DownloadVideos
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.
