Invest directly in deep impact

With RSF’s Social Investment Fund Note*, you’ll support positive social and environmental impact while earning a financial return. It’s available to residents of 49 U.S. states, the District of Columbia, and Puerto Rico. The note is not available to residents of Washington. Regardless of where our investors are, they can be assured that their dollars are going to social enterprises addressing some of today’s most complex issues.

Invest in the fund today

Account overview

Minimum investment of $1,000

90-day term

Current interest rate of 0.75%, annualized and reset at the beginning of each quarter

Supports social enterprises through RSF’s loan program

Join a community of over 1,600 conscientious investors

Participate in quarterly community pricing gatherings

Join the community

Join our mailing list to receive the latest news and invitations to events and webinars.

Sign up
Meet Eureka Recycling

Your Social Investment Fund account supports enterprises like Eureka Recycling. Established in 2001, it is one of the largest nonprofit recyclers in the U.S. and emphasizes “zero-waste” principles in the communities of Minneapolis and St. Paul. As one of just a handful of nonprofit recyclers in the United States, its services, programs, and policy-work present real solutions to the social, environmental, and economic problems caused by waste.

See full list of borrowers here

Rates and historical performance

Invest in what you believe in while earning a competitive rate of return. Since inception, our repayment rate to investors has been 100% (principal + interest).**
Participate in quarterly community pricing gatherings to discuss and make recommendations for changes to the interest rate.

Q1 Q2 Q3 Q4
2023 0.25% 0.75%
2022 0.35% 0.35% 0.35% 0.25%
2021 0.50% 0.25% 0.25% 0.25%
2020 1.00% 0.50% 0.50% 0.50%
2019 1.25% 1.25% 1.25% 1.25%

**Past performance is not a guarantee of future results.

Download more information

Before deciding to invest, we ask that you please review the RSF Social Investment Fund prospectus. Each year in July, investors receive an updated version of the document from RSF. We are not currently offering the Notes for sale to investors located in the state of Washington.

  • 2022 Prospectus Social Investment Fund
  • Overview Handout Social Investment Fund
  • 6/30/2022 Digest Social Investment Fund
Invest in the fund
Online Online

In a few simple steps, you can join the RSF community today.

Invest in the fund
Mail / Fax Mail / Fax

Please feel free to mail or fax your application.

Download the prospectus & application
Frequently Asked Questions
  • Do I have to renew my Note every three months to keep my account?

    No, your note automatically renews every three months unless RSF is notified otherwise in writing.

  • Can I invest through an IRA?

    You may establish a self-directed IRA or a rollover of your retirement account into a Social Investment Note using an IRA asset custodian. It is important to consider the amount of your investment, the earnings you would experience with your investment note, and the annual fees custodians charge before investing.

  • May I access my account online?

    SIF Note holders are granted access to the RSF Client Portal, where they can view account detail and quarterly statements and change their standing instructions. That said, our systems do not currently have the capacity to disburse funds through the Client Portal. You may set up a one-time or recurring contribution via ACH to add to your SIF Note.

  • How do I redeem a portion or all of my investment?

    Principal and accrued interest may be repaid to investors at maturity. You can request a redemption under the Investing Resources menu on our client portal. If you are not registered for the client portal, please contact us at  sif@rsfsocialfinance.org to begin the process. RSF is not obligated to allow SIF Noteholders to redeem before maturity.

  • Is there a fee for wires or checks for redemptions?

    RSF does not charge a fee for wires or checks for redemption. Your bank may charge to receive transfers, however, so we encourage you to contact them before making the request.

Other Questions?

Contact our Social Investment Fund Team


*There are certain risks that you should understand before you invest. These, along with a complete description of the securities, are included in the Prospectus. This is not an offer to sell, nor a solicitation of an offer to buy, securities. Such offering is made solely by the Prospectus, and only in states where authorized.