Associates – Church Based Enterprises

An associated church-based enterprise is an area of ministry, usually initiated by a church that is operated separately for administrative or organisational purposes. Associated church-based enterprises will be not-for-profit, formally connected with Churches of Christ and may include activities such as child care, aged care, cafes and op shops.

Secured Loans

We understand the challenges associated with borrowing for many Christian communities and enterprises. From assessing loan serviceability to the specialised nature of the property, there can be many obstacles to overcome. That’s why CCFS can help you with your project. Whether its for the purchase of a new property, fit-out or renovating, contact CCFS to discuss the options available to you.

  • No loan application fee or on-going fees
  • Competitive interest rates
  • Monthly principal and interest repayments
  • loan terms of up to 20 years
  • Offset accounts are available to reduce interest costs
  • Loan rates are variable with interest calculated daily and charged monthly.

Easy Access Account

A fee-free* everyday account that can have cheque, BPAY, direct entry and online access (via CCFS Online). Investments can be made with your pre-coded investment slip at any Australia Post branch that offers Bank@Post.

  • No minimum investment amount required
  • No fixed term, your money is available when needed
  • Attractive interest rates
  • No account keeping or account transaction fees*
  • Interest calculated daily, credited 6 monthly

Online Accumulator Account

A fee-free* higher interest cash management account linked to your Easy Access Account that enables you to ‘park’ surplus funds. This account is only accessible via CCFS Online with transfers to and from your Easy Access Account. This account is not intended to be a transactional account.
It is intended to be a place to invest surplus funds or funds that might accumulate over time for a mission’s project, building project or until funds are needed for operations.

  • No minimum investment amount required
  • No fixed term, your money is available when needed
  • Higher interest rates
  • No account keeping or account transaction fees*
  • Interest calculated daily, credited 6 monthly

Term Investment

For higher interest, longer term investments with options of 90 days, 6 months, 1 year, 2 and 3 years.

  • Attractive interest rates
  • You can choose to have interest paid at maturity or annually for investments longer than 12 months
  • Minimum investment is $5,000

Long Service Leave (LSL) Accumulator Account

Ministers and employee’s entitlements represent a significant component of their remuneration. For churches and agencies, these entitlements represent a liability that must be reliably funded and paid out at some time in the future. In this regard, ministers and employees seek tangible assurances that their entitlements are secure and as good stewards, churches want to give these assurances.

CCFS provides the solution, with a structure for funding and securing minister and employee entitlements that is independent and unexposed to the financial position of the church. For more information refer to the Useful Information section of the Resources page on this website.

Interest Offset Account

Available for affiliated church-based organisations that have surplus funds but don’t want to use those funds to reduce the loan balance. Surplus funds can be deposited in this offset account at a higher interest rate, with the interest on these surplus funds offset against the loan interest.

CCFS Online “Business Banking” Facility

CCFS “Business Banking” provides affiliated church-based organisations with the opportunity to transact online with enhanced security features that allow multiple authorisers. “Business Banking” is available through the CCFS website Online Access portal with all the usual online functionality including BPAY, EFT and viewing account information such as balances and account transaction history. Contact information can also be updated online.

Merchant Facilities

CCFS has entered into partnership with a major Australian Bank to provide affiliated organisations with the option of receiving payments and donations via EFTPOS. Terminals can be either fixed (landline) or mobile (utilising Telstra’s 4G network). Our partnership has resulted in discounted pricing, reduced paperwork and less onerous eligibility criteria. Now your organisation is able to receive payments and donations anywhere, increasing convenience and hopefully boosting income.



BPAY is a bill payment service that enables you to pay your bills day or night, through internet banking. Paying bills with BPAY couldn’t be much easier. That’s why on average, over 4 million payments are made through BPAY every week.

BPAY gives you total control of your payments. You can pay one-off bills including telephone, electricity and gas on the internet or schedule payments for later. It’s easy and convenient. To view a full listing of BPAY billers visit

To pay with BPAY follow these simple steps:

  1. Look for the distinctive BPAY logo on your bills .

  2. Login to CCFS Online or call 1300 MY CCFS (1300 69 22 37)
  3. Select the BPAY or bill payment option and follow the simple instructions.


* These accounts do not attract any regular account keeping fees however, any third party fees (such as dishonour fees) will still apply.