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Atlantic Union Revolving Fund (AURF)

Our Mission

The Atlantic Union Revolving Fund (AURF) provides capital project loans to denominational churches, schools, and institutions within the Atlantic Union territory.

The Revolving Fund Team

Elias F. Zabala, Sr.


Violet Bidwell

Revolving Fund Accountant


Cynthia Huskins

Revolving Fund Support


The Atlantic Union Revolving Fund was established in 1978 to help provide capital project loans to denominational churches, schools, and institutions within the Atlantic Union territory. Funding for these loans come from deposits made by these organizations and by individual members of churches belonging to the Atlantic Union Conference. An investment statement is issued for each deposit made and a promissory note required for each loan given. Granting of loans requires approval of the local conference, sufficient deposits from that conference available for loans, and meeting NAD (North American Division)/Union policies and guidelines. The Revolving Fund is not a bank or credit union nor are the deposited funds insured by the FDIC or any other agency. The spread between the interest rate charged for loans and that paid on deposits is used to build a reserve fund.

Organizations that are a part of the official church structure in the Atlantic Union or individuals that are currently members of a church belonging to and residing in the Atlantic Union Conference can obtain additional information about the Revolving Fund by:

  • writing the Revolving Fund at 400 Main St., Lancaster, MA 01523-2804
  • calling the Revolving Fund at 978-368-8333 ext. 3010
  • sending an e-mail to revolvingfund@atlanticunion.org


As an Investor or Borrower (or even Applicant) with regard to the Revolving Fund, we want to share some thoughts with you about information and privacy. Safeguarding personal information in the age of technology presents new challenges for all of us. For that reason, we have adopted strong privacy guidelines to ensure that any private financial information you share with us is protected and held in confidence. Our employees are well trained and are held to the highest standards of conduct. When we do use your personal information, it is to help us serve you better.

Your Right to Financial Privacy
You have the right to know the privacy policies and practices of the institutions you deal with in respect to information sharing with both affiliates and nonaffiliated third parties.

Information We Collect
We collect non-public personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us;
  • Information we receive from a consumer-reporting agency.

Information We Disclose About You
We do not disclose any non-public personal information about you and former customers to anyone except as required by law.

Confidentiality and Security
We restrict access to non-public personal information about you to those employees and service providers who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.

The Privacy Partnership—The Threat of Pretexting
Ultimately, privacy is a partnership. As you may be aware there are now criminals who attempt to obtain your personal information under false pretenses. These so-called “pretexters” then sell your information to other criminals who may use it to obtain credit in your name, steal your assets, or to investigate or sue you. While pretexting is against the law, you can also take steps to secure your personal information by following these tips:

  • Never give out your Social Security number or personal credit information over the phone unless you initiate the call. Pretexters may pose as representatives of survey firms, banks, Internet service providers and even government agencies to convince you to reveal your SSN, mother’s maiden name, financial account numbers and other identifying information. Legitimate organizations with which you do business have the information they need and will not ask you for it.

  • Keep items with personal information in a safe place. Tear up or shred receipts, bank and loan statements, and unused credit card offers.

  • Review your statement carefully and promptly. Report any discrepancies to the originator immediately.

  • Alert family members to the dangers of pretexting. Explain that only you, or someone you authorize, should provide personal information to others.

  • Keep track of your mail. If a statement, check or bill is missing, someone may have changed your billing address. Don’t mail bills from your own mailbox. Drop them in the mailbox or at the post office.

  • Review your credit report annually, and report and correct mistakes.

  • Keep your browser’s padlock or key icon active when doing business online.

  • Don’t open e-mails from unknown sources.

  • Find out who has access to your personal information at work and verify that the records are kept in a secure location.

  • Use virus detection software.

  • Protect your PINs and passwords. Change them often. Use a combination of letters and numbers. Avoid using easily available information like your mother’s maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers.

  • Report any suspected fraud to us immediately, and notify the fraud division of the three major credit bureaus:

            Trans Union 800-680-7289

            Experian 888-397-3742

            Equifax 888-766-0008