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Additional Resources

IRA Impact Certificates

Traditional IRA

To open a new ROTH IRA with Provision with funds from an existing IRA custodian, please complete the steps below. 


If you are funding the new Roth IRA with a contribution, please complete steps 1 and 2 only and include your personal check made payable to Goldstar Trust Company FBO (your name). 


If you have an existing Roth IRA with Provision and wish to transfer/rollover additional funds, please complete steps 1, 3, and 4 (if applicable). 

Steps to Get Started


Fill out the Individual Retirement Account Investment Application (See Offering Circular Exhibit C)



  • It is a qualified Individual Retirement Account (IRA) available to residents of North Carolina who are members of a North Carolina Baptist congregation. 

  • We offer two types of Impact Certificates. The first type is Demand Certificates. The rates on the Demand Certificate are variable and funds are available for withdrawal at any time. 


    We also offer Timed Certificates with terms of 6 months to 60 months. The rates on the timed certificates are fixed during the term. Your participation by investing in an Impact Certificate assures the availability of funds that will be loaned out to churches in need of financing for their expansion projects. 

  • We offer Traditional IRA, Roth IRA, and SEP IRA options. We also accept inherited IRA accounts. 

  • We use Goldstar Trust Company of Canyon, Texas as the plan administrator. As the custodian, they will handle all IRS reporting and the required minimum distributions. 

  • The investments are not insured. Any interested in investing in an IRA Impact Certificate must read the Offering Circular before investing. 

  • Redemption will be determined by the term of the investment. You can contact us to redeem your certificates when they mature.  

  • For Demand Certificates, there is no penalty. For Timed Certificates, there may be a penalty of up to six months of interest, unless the distribution is to meet a Required Minimum Distribution (RMD).

*This is not an offer to sell IRA Impact Certificates to you and we are not soliciting you to buy IRA Impact Certificates. We only offer Impact Certificates to clients in North Carolina. IRA Impact Certificates are offered only by the Offering Circular. You may contact us at (800) 521-7334 if you have any questions or you can refer to our FAQ. 

Investing That Makes an Impact

Impact Certificates provide an opportunity to invest your financial resources for a competitive return while also advancing the gospel. At Provision, we offer Traditional and Roth Individual Retirement Accounts (IRA) through our custodian, Goldstar Trust Company of Canyon, Texas. 


Individuals may invest their IRA funds in IRA Demand Certificates as well as in IRA Timed Certificates. Rates on the Demand Certificates are variable while rates on IRA Timed Certificates are fixed for the term of the certificate. Terms on the IRA Timed Certificate range from 6 months to 60 months.

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