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Incorporated as Lutheran Church Extension Fund (LCEF) in 1978, the mission is to facilitate sharing of the Gospel through investments, loans and ministry-support services, ensuring funds and resources are available now and in the future
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National Office
Lutheran Church Extension Fund10733 Sunset Office Drive, Suite 300St. Louis, MO 63127-1020Phone: 1-800-843-5233Fax: (314) 996-1131Contact Form
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LCEF Points of Interest
Loan Rates
| New Mission Starts | 4.375% |
| Congregational | 4.750% |
| Specialized Ministries | 2.750% |
| RCW Mortgage APR | 3.844% |
Investment Rates
| StewardAccount® | 0.375% - 1.250% |
| Family Emergency | 1.375% |
| 5-Year Term Note | 1.875% |
Church Extension has been an important part of The Lutheran Church—Missouri Synod (LCMS) for well over 100 years. In some districts, Church Extension has been around longer, but the LCMS became directly involved in 1902.
History of LCEF
LCEF, incorporated in 1978, is a continuation of the Synod's service to the entire LCMS. In fiscal year 2011*, LCEF welcomed nearly 500 new loan customers. Congregations and schools gained funds for building, upgrading or remodeling facilities, and rostered church workers secured reasonable housing and consolidation loans. LCEF partners with more than 55,000 investors to make the funds available for these loans. Together, these partnerships have resulted in a total asset portfolio of $1.8 billion.
God has truly blessed the ministry of Church Extension and its supporters!
*Fiscal 2011 began July 1, 2010 and ended June 30, 2011. Figures as of June 30, 2011.
LCEF's Mission
The mission of Lutheran Church Extension Fund is to support the Church in fulfilling its mission of sharing the Gospel of Jesus Christ by being a Christ-centered servant partner of the Lutheran Church—Missouri Synod (LCMS), ensuring that funds and services are available now and in the future.
There are many ways to become a part of the LCEF ministry, collectively doing the work God has planned for us. Join us in:
- prayerful support
- investment support
- volunteer support
- gift support
To find out more about how you can help reach more people with the message of Christ's salvation through LCEF, call 1-800-843-5233.
Christian Partner for Funding
If your congregation is remodeling, building a sanctuary, upgrading systems for efficiency or expanding its daycare center, we have loan funds available to assist you. We offer personal, caring, Christian services that help you bear witness to Jesus Christ and to those that do not know Him.
Look to LCMS Funding Partner
You may have a loan partner in your community, but do you have a funding and ministry partner? There are thousands of dedicated investors that want to help build a church, school or child-care facility. That's why they invest in LCEF. If your ministry is looking for a loan partner, choose one that has investors and staff members that share your Christian values.