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(Campaign Goal - $2,000,000)

Retire the Mortgage: $1,000,000

We’ve made much progress toward paying on the mortgage over the past ten years, and we have just under $1,000,000 remaining in outstanding debt. Each month, St. Joseph Catholic Church pays $10,000 on a loan that will balloon January 2026. These monthly payments greatly reduce the impact we can have on ministries, upgrading technology or investing in our youth. Retiring the debt is the first priority of the Dreaming Beyond the Debt capital campaign.

Capital Expenses: $1,000,000

$1,000,000 Our parish was built over twenty years ago and there are some practical deferred maintenance projects that need our attention. We’ve reached a time when our parish building is needing larger repair and maintenance. Our buildings and grounds committee has worked hard to prioritize the items that need to be addressed first:

• Replace, repair, vent and insulate of the church roof.

• Upgrading and repairs to the heating, ventilating and air conditioning (HVAC) system.

• Ongoing parking lot work including repairing concrete curbs.

• Repairing the sanctuary space ceilings from water damage. This can be accomplished once the roof issues have been resolved.

• Repairing and reseal concrete flooring in the sanctuary space.

• Upgrade school lighting to all LED energy efficient lighting fixtures.

• Rekeying and repairing entrance and interior doors.


In order to assist you as you consider making a pledge to this campaign,

we have provided some suggested giving plans. We understand that each individual or family

has different financial obligations and abilities. Even so, one of these plans should fit within

the means of each member of the parish family. Please consider which plan best fits

your monthly budget. This may be the best guideline for your commitment.  Remember, this campaign is based on equal sacrifice – not equal giving.  If each family makes

a truly sacrificial gift, we will reach and exceed our goal together.


Dreaming Beyond the Debt

Giving Plans to Consider


Your Commitment

We are asking each household in our parish family to consider a minimum pledge of $3,000 to be paid over the next 36 months. 

This pledge would be a sacrifice of $75 per month – a little more than $2 a day - to build a promising future for St. Joseph Church.

Such a gift should not pose a burden for most parishioners. As you can see, this amount comes to about or even less than what many parishioners pay each month for cable television.

Please Consider a Special Commitment

Some of us have been especially blessed by the Lord with material means. A heartfelt appeal is made to those parishioners to reflect on their ability to make a very generous pledge to the campaign. We ask those who are capable of making pledges of $20,000, $50,000, $100,000 or more, to lay the foundation of success for this campaign.

Please Consider…

  • Your pledge payments are made over a three-year (36-month) period. 

  • Your commitment to St. Joseph Catholic Church Dreaming Beyond the Debt campaign is in addition to your weekly contribution.

  • Your financial contribution to this campaign will help ensure a strong future for our parish.

  • Beginning in September 2023, payment reminders and envelopes will be mailed according to your payment preference.

All annual contributions to our campaign are tax-deductible for those who itemize their deductions. 


Planned Giving | Wills | Estate Planning | Life Insurance

There are numerous planned giving opportunities that provide donors with alternative methods of making their gifts to the campaign. These include but are not restricted to:

  • Gifts of assets including real estate, stocks, bonds, coins, etc.

  • Making St. Joseph’s Church a beneficiary of your will

  • Naming St. Jospeh’s Church as a beneficiary of your life insurance policy

Matching Gift Opportunities

Many employers have matching gift programs that provide employees the opportunity to multiply their gifts to educational institutions, social organizations, and charitable institutions. We encourage you to enquire with your Human Resources Department regarding the Matching Gift Opportunities available to you.

IRA Contributions

In December 2015, Congress passed legislation making the IRA Charitable Rollover permanent.  If you have an IRA and are aged 70½ or older, you may opt to make a charitable contribution from your qualified IRA plan.  When you do so, you may transfer up to $100,000 per year to St. Joseph’s Church. As a charitable gift, this distribution needs to be transferred directly from your IRA to the Parish. Therefore, it would not be taxed as income. If you receive the distribution first, it will be taxed like any other distribution.  In addition, if you are required to take a minimum distribution (RMD), your charitable contribution can satisfy all or part of the amount of your required minimum distribution from your IRA.

Gifts of Appreciated Stock

You can give appreciated stock to the campaign. If you’ve held it for more than one year, you may take a charitable tax deduction for the current market value of the stock, and neither you nor the parish must pay capital-gains taxes when the stock is sold. The combination can result in a larger deduction (and more tax savings) for you and a greater gift for the campaign than if you sell the stock, pay the taxes, and donate the net proceeds.

Procedure to Transfer Stock

For details, please instruct your stockbroker or securities advisor to contact:

St. Joseph Catholic Church

Tracy Smith, Business Manager

315 SW 21st Street

Grand Rapids, MN 55744

218-999-6461 |

Please indicate on your pledge card the number of shares and the name of the company (ticker).

[All annual contributions to our campaign are tax-deductible for those who itemize their deductions.] 

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  • You may be contacted by a volunteer to make your pledge.

  • You may drop off your completed pledge card at the parish office.

  • You may pick up a pledge card on certain Sundays throughout the months October and November in the Church.

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