Christian Savings
Christian Savings is a New Zealand licensed non-bank deposit taker, founded 1962 and 100% owned by Christian churches and charities, channelling deposits into loans that finance over 750 church, charity, and ministry projects with $270M deployed.
- Company typePrivate
- Founded1962
- HeadquartersAuckland, New Zealand
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Christian Savings does
Christian Savings Limited is a New Zealand-registered, licensed non-bank deposit taker founded in 1962 and headquartered in Auckland, operating under RBNZ supervision and Financial Markets Authority oversight. It is wholly owned by New Zealand Christian churches and charities, and serves individual investors, churches, charities, ministry workers, and investment advisors. The institution channels deposits from members into loans that finance church buildings, ministry housing, and charitable projects, with over $270M deployed across 750+ projects over a 60+ year operating history.
Its product set spans deposit products (Term Deposit, Call Deposit, Kids & Teens Term Deposit, Charitable Deposit, and Funeral Deposit) and lending products (Building Loans, Housing Loans, and Ministry Loans such as Enabler Home Loan, Rental Property Assist, and Co-ownership). Pricing reflects a retail-style deposit curve of approximately 2.00%–5.00% and a lending curve of approximately 4.80%–5.45% over a three-year horizon. Depositor protection is provided through Public Trust supervision, Financial Services Complaints Ltd membership, and the Deposit Compensation Scheme.
The business model is a net-interest-margin non-bank: Christian Savings borrows from individual and institutional depositors within its constituency and lends to affiliated churches, charities, and ministry workers, earning the spread plus modest fees. Distribution is delivered through the church/charity owner network, a Christchurch-based business development manager, the annual Governance Conference (400+ attendees), and the Community Finance subsidiary focused on social-housing impact investment. A BB+ Fitch credit rating was assigned in December 2025, and the entity partners with Money Sweetspot for debt-consolidation support.
Christian Savings firmographics
Firmographics- Name
- Christian Savings
- Legal name
- Christian Savings Limited
- Website
- https://christiansavings.co.nz
- Company type
- Private
- Founded year
- 1962
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Christian Savings is a New Zealand licensed non-bank deposit taker, founded 1962 and 100% owned by Christian churches and charities, channelling deposits into loans that finance over 750 church, charity, and ministry projects with $270M deployed.
- Ownership category
- akta.pro rank
Christian Savings industry classification
Industry- Product category
- Non-Bank Deposit Taking and Charitable Lending
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)
- SIC
- Savings Institutions, Not Federally Chartered (6036), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Philanthropic & Charitable Trust Services (FSAAANAI), Local Congregations & Worship Communities (Churches, Mosques, Temples, Synagogues) (BPAGAJAA)
Keywords
Where Christian Savings is headquartered
LocationHeadquarters
- HQ city
- Auckland
- HQ country
- New Zealand
- HQ region
- Oceania
Offices2 records
Markets served
Christian Savings business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Deposit Taking: Accepts deposits from individuals and organisations under term deposits, call deposits, kids & teens deposits, charitable deposits, and funeral deposits. Returns are paid to depositors while capital is used for lending.
- Lending Operations: Provides loans to Christian churches and charities for building projects, property purchases, renovations, and refinancing. Also offers home loans to ministry workers. Generates interest income from loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Term Deposit Rates (30 days to 5 years) |
| Subscription | Pay-as-you-go | Call Deposit Rates |
| Subscription | Annual | Charitable Deposit Rates |
| Subscription | Pay-as-you-go | Funeral Deposit |
| Subscription | Monthly | Ministry Loan Interest Rates |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Christian Savings product offering
Product offeringCore offering
Christian Savings operates as a charitable licensed non-bank deposit taker in New Zealand, accepting deposits from individuals and organizations across multiple term and call deposit products, and lending those funds as building loans, housing loans, and ministry loans to Christian churches, charities, and ministry workers. Profits are distributed to charitable shareholders or reinvested into the organization, with 55% of surplus going back to charitable shareholders and 45% retained for growth.
Product overview
Christian Savings operates as a charitable non-bank deposit taker, offering a unified platform of savings/investment products for individuals and lending products for Christian churches and charities. The investment portfolio comprises five deposit products (Term Deposit, Call Deposit, Kids & Teens Term Deposit, Charitable Deposit, and Funeral Deposit) that collectively fund loan financing to the Christian sector. The lending portfolio includes three product lines: Building Loans for facility acquisition and renovation, Housing Loans for social housing projects, and Ministry Loans with three variants (Enabler Home Loan, Rental Property Assist, and Co-ownership) designed specifically for ministry workers. All products are coordinated through the company's Auckland-based operations, with deposits providing capital for loans that support churches, social housing, education, and social welfare initiatives across New Zealand.
Differentiator
Problem solved
Functional benefit
Products and services
- Term Deposit Fixed interest investment option allowing investors to earn predictable returns over a specified period from 30 days to 5 years, with interest paid monthly, quarterly, or 6 monthly depending on term length. Available to individuals and entities with a minimum investment of $1,000.
- Call Deposit Flexible savings account allowing unlimited deposits and withdrawals at any time while earning competitive interest rates. Tiered rates based on balance with a minimum investment of $1,000.
- Kids & Teens Term Deposit Term deposit designed for children and teenagers, with parental control until age 18 when full access transfers to the account holder. Minimum investment of $1,000.
- Charitable Deposit Term deposit where interest earned is donated quarterly to the investor's nominated eligible charity or church, while capital remains invested. Available across multiple terms from 12 months to 5 years with a minimum investment of $1,000.
- Funeral Deposit Dedicated savings account for funeral expenses allowing flexible contributions while earning interest at 9-month term deposit rates (3.65% p.a.). Minimum investment of $1,000.
- Building Loans Financing options for Christian churches and charities to acquire new property, renovate existing facilities, or refinance from other lenders, with tailored solutions for ministry needs. All lending is secured by first mortgages on property with maximum LVR of 80% for residential and 60% for other debt.
- Housing Loans Loans for Christian churches and charities to build, purchase, or renovate social housing, with competitive interest rates and experienced team support for larger-scale developments.
- Ministry Loans Specialised home loan products for ministry workers including the Enabler home loan (10% minimum deposit, 1-year fixed 4.80% or floating 5.45% p.a.), Rental property assist (20% minimum deposit), and Co-ownership model (0% or small deposit via limited partnership). Designed for pastors and ministers locked out of traditional lending due to lower salaries.
Quantifiable outcome
- Financed over 750 projects for churches and charities
- +3 more outcomes
Companies that use Christian Savings
Customer profileNamed customers9 records
Segments5 records
Ideal customer profiles4 records
Christian Savings technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Christian Savings partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Public TrustcoreChristian Savings is supervised by Public Trust. Depositor funds are secured with Public Trust. Public Trust also handles dispute resolution and oversight.
- Responsible Investment Association AustralasiaminorChristian Savings is a member of RIAA, demonstrating commitment to responsible investment principles and alignment with broader ethical investing community.
- Home FoundationcoreLong-standing partner in social housing. Christian Savings financed Te Pākau Maru residential development in New Brighton, Christchurch - an inclusive, innovative, and sustainable sheltering place.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Christian Savings competitors and assessment
Company assessmentMarket position
Strengths1 record
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Christian Savings financial estimates
Financial estimateRevenue estimate
Valuation estimate
Christian Savings leadership team
Management profileNumber of profiles
Profiles15 records
Christian Savings subsidiaries and ownership
Company hierarchySubsidiaries1 record
Christian Savings funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Christian Savings M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Christian Savings
What does Christian Savings do?
Christian Savings operates as a charitable licensed non-bank deposit taker in New Zealand, accepting deposits from individuals and organizations across multiple term and call deposit products, and lending those funds as building loans, housing loans, and ministry loans to Christian churches, charities, and ministry workers. Profits are distributed to charitable shareholders or reinvested into the organization, with 55% of surplus going back to charitable shareholders and 45% retained for growth.
Is Christian Savings a public or private company?
Christian Savings is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Christian Savings founded?
Christian Savings was founded in 1962. It employs 11 to 50 people.
Where is Christian Savings based?
Christian Savings is headquartered in Auckland, New Zealand, in the Oceania region.
How does Christian Savings make money?
Two revenue lines are on record. Deposit Taking is the primary driver. The others are lending Operations.
Does Christian Savings have an API?
No public API is recorded for Christian Savings.
What industry is Christian Savings in?
Christian Savings's product category is Non-Bank Deposit Taking and Charitable Lending. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSAAANAI, Philanthropic & Charitable Trust Services. Its NAICS code is 52218 and its SIC code is 6036.