Your eligible deposits with Methodist Chapel Aid Ltd are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the £85,000 limit are unlikely to be covered.

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MCA's Investments

MCA's ethical investment policy

In order to provide loans to Trustees of Christian Churches at the lowest practicable rates of interest, the Company holds both cash and an investment portfolio.

The Company recognises the importance of ensuring that its assets are invested ethically and below is the Company's Ethical Investment Policy:

  • 'MCA will not invest directly in the securities of companies active in the tobacco, alcohol, gambling, pornography, armaments or thermal coal/oil sands sectors. Where such activities account for more than 10% of corporate turnover the company will be deemed to be "active" in these restricted sectors.
  • MCA will also seek to adhere to the Christian moral imperative to exercise good stewardship, and may accordingly from time to time determine not to hold securities issued by particular companies where there are concerns regarding the ethics of their business or operational models. MCA is particularly concerned about the animal testing of cosmetic or household products, high interest consumer lending, intensive farming, and the treatment of employees in jurisdictions where employment rights are less well developed than in the UK.
  • MCA will seek to ensure that voting rights are exercised in accordance with good corporate governance criteria, and will periodically review the manner in which its investment manager exercises these rights on its behalf.
  • In some cases it may be appropriate for MCA to hold collective investment funds in order to secure asset allocation within its investment portfolio. Where this is the case MCA does not have the ability to screen the underlying portfolio of the fund.'