The National Association of Congregational Christian Churches (NACCC) is a fellowship of autonomous member churches that recognize the value of mutual support and the sharing of resources to accomplish goals beyond what a church can do alone. This Guide for Member Resources provides access to a wealth of support available to NACCC member churches, providing an outline for how to make the most of your membership.

Explore the Guide for Member Resources

Why Learn about Insurance?

True story: A pastor arrived at his church property only to witness the entire building burning in flames. It was a total loss. The following morning, as he wondered where the church would meet, and whether they had enough coverage to rebuild, he found out the church was underinsured. It would cost well over $1 million to rebuild what they had lost. But with only $700,000 in coverage, what were their options?

Regardless of good intentions, inadequate church insurance can lead to significant and permanent losses. Some churches never recover. Though nearly every church has insurance coverage, many church leaders lack confidence in their understanding of their policies and the terminology associated with them.

However, guidance is available, and you’re already taking important steps in receiving it. As you gain a better understanding of church insurance, as well as your church’s specific needs, you are making progress toward better safeguarding your ministry.

When it comes to church insurance, you must be informed. Get to know your insurance agent. And purchase only from a company that offers not only good prices, but good service, claims coverage, and specific knowledge of church insurance issues.

Want to gauge how your church is selecting insurance? Use this check list to aid you in selecting, retaining, and better understanding your church’s insurance.

Source: Hanna, Jeff. “Choosing Church Insurance: Tips from a Professional.” Church Law & Tax, June 17, 2020.

A housing allowance is an important tax benefit for pastors. Church boards can use the language below to create a resolution for a housing allowance. Use it for pastors who own or rent a home.

Important Note: A resolution can only be applied prospectively. It can never be applied retroactively. For a church to have a housing allowance resolution in place for a specific calendar year, it needs to adopt it by December 31 of the previous year. A resolution can be adopted after the start of a new calendar year, but it only applies from the date of the adoption forward.

Sample Housing Allowance Resolution for Pastors:

The following resolution was duly adopted by the board of directors of [Name of Church] at a regularly scheduled meeting held on [Day, Month, Year], a quorum being present:

Whereas, ministers who own or rent their home do not pay federal income taxes on the amount of their compensation that their employing church designates in advance as a housing allowance, to the extent that the allowance represents compensation for ministerial services, is used to pay housing expenses, and does not exceed the fair rental value of the home (furnished, plus utilities); and

Whereas, Pastor [First and Last Name] is compensated by [Name of Church] exclusively for services as a minister of the gospel; and

Whereas, [Name of Church] does not provide Pastor [First and Last Name] with a parsonage; therefore, it is hereby

Resolved, that the total compensation paid to Pastor [First and Last Name] for calendar year ____ shall be [$_____], of which [$_____] is hereby designated to be a housing allowance; and it is further

Resolved, that the designation of [$_____] as a housing allowance shall apply to calendar year ____ and all future years unless otherwise provided.

Source: Hammar, Richard R. “Housing Allowance Resolution for Pastors.” Church Law & Tax, March 6, 2025.

The Racial Justice Task Team was created to carry out the Cadman Resolution adopted at the 2020 NACCC annual meeting. The NACCC is committed to providing resources for the local church to discuss the challenging/difficult/painful subject of racism in a safe space. We are providing these resources in order to share information and experiences, so that individuals might learn more and have ongoing discussions in their local churches, as is the Congregational Way.

RJTT Bible Studies

Nazareth? – A discussion-based Bible study lesson plan focused on John 1:43-51 by Rev. Rob Fredrickson

Who is My Neighbor, Luke 10:25-37 by Rev. Dr. Mary E. Biedron

Why Should I Love My Neighbor, Luke 10:27 by Cynthia Hardy

Print Resources

NEW!   What a Black man discovered when he met the White mother he never knew by John Blake

Reading While Black: African American Biblical Interpretation as an Exercise in Hope by Esau McCauley

White Fragility: Why It’s So Hard for White People to Talk About Racism by Dr. Robin DiAngelo

Caste: The Origins of Our Discontents by Isabel Wilkerson, Robin Miles

The Sum of Us: What Racism Costs Everyone and How We Can Prosper Together by Heather McGhee

The Last House on the Street: A Novel by Diane Chamberlain

Video Resources

CNN – Reality Check Report on Christian Nationalism – by Jon Avlon with Amanda Tyler

PBS Series – The African Americans: Many Rivers to Cross by Henry Louis Gates, Jr.

Movie – Monster (2018)

Movie – 42 (2013)

Movie – Something the Lord Made (2004)

Movie – Red Tails (2012)

Documentary – Coded Bias (2020)

Online Resources

Article – The Roosevelt Project: Driving Toward Environmental Justice and Health

Article – Mason, Tennessee asked to surrender its charter or face state takeover by Mike Suriani w/CBS News

Article – Chicago teens open up about race, stereotypes and dating by Susie An, Adriana Cardona-Maguigad

NACCC Webinars

March 14, 2021 – Chronicles

March 21, 2021 – Conversations

March 28, 2021 – Our Christian Faith

Archives

Article – Anti-Racism in the Renewing of Christian Worship by The Calvin Institute of Christian Worship

Article – Talking About Race: Community Building by The National Museum of African American History & Culture

Podcast – Revisionist History: State v Johnson by Malcolm Gladwell

TV Miniseries – Roots (1977) with Small Group Discussion Guides

Documentary Film – 13th (2016)

Movie – Just Mercy (2019)

Documentary Film – I Am Not Your Negro (2016)

Said I Wasn’t Gonna Tell Nobody: The Making of a Black Theologian by James H. Cone

The Sun Does Shine: How I Found Life and Freedom on Death Row by Anthony Ray Hinton with Lara Love Harden

Long Time Coming: Reckoning with Race in America by Michael Eric Dyson

Suggested Resources from the Racial Justice Task Team

How to Collaborate With Your Local College or University

Love, Forgiveness and… Racism? A university collaboration summary

The Black Church: This Is Our Story, This Is Our Song – Now streaming on PBS

Inviting Local Police Officers To Your Church Event

Article: Three Historical Phrases Still Relevant Today, Rev. Rob Fredrickson

The Congregational Investment Trust (CIT) is a non-profit 501(c)(3) entity established as an endowment investment option for member churches. Because endowment gifts are long-term, these funds are invested to preserve the purchasing power of gifts made using a diversified portfolio of stocks, bonds, and alternative investments. The CIT’s target asset allocation is 65% stocks and 35% fixed income. Because principal values will fluctuate, the CIT is not suitable as a short-term investment vehicle. However, it is ideally suited as a long-term investment vehicle for church endowments.

Churches that participate in the CIT have access to funds either by written request or by setting up regular distributions. Churches can have a separate account balance for each fund it wishes to establish. An opening balance of $2,500 is required for each account with a minimum balance of $1,000 thereafter. Quarterly statements are issued to each church reporting their funds’ beginning balances, additions or withdrawals, net earnings and ending balances. All fees and expenses are charged against the aggregate earnings of the CIT and are therefore shared proportionately by all accounts. These funds are managed by Vanguard Institutional Advisory Services.

By becoming part of an investment pool with other churches you increase your investment return potential as well as the potential to lower investment fees. These funds are managed by Vanguard Institutional Advisory Services and is overseen by the National Association’s and the Congregational Foundation’s CIT Oversight Committee.

To participate in the Congregational Investment Trust a church must adopt the Congregational Investment Trust Adoption Agreement and execute the Account Authorization Form.

Congregational Investment Trust members seeking to deposit funds into the Congregational Investment Trust, should mail their deposit along with a completed CIT Deposit Form directly to:

Nottingham Trust
PO Box 690
126-130 South Street
Olean, NY 14760

Do not send deposits or CIT Deposit Forms to the NA office; please send them directly to Nottingham Trust.

Click to read CIT Brochure online

Account Authorization

Notice of Withdrawal

Investment Policy

CIT Deposit Form

2025 PERFORMANCE RESULTS

April – July 2025

January – March 2025

2024 PERFORMANCE RESULTS

November 2024

October 2024

September 2024

July 2024

March 2024

March 2024

2023 PERFORMANCE RESULTS

December 2023

October 2023

September 2023

June 2023

March 2023

2022 PERFORMANCE RESULTS

December 2022

September 2022

June 2022

March 2022

Congregational Investment Trust Meeting Minutes

2024: January, February (Annual Meeting), April, July

2023: April, August, October