Lutheran Church Extension Fund
Lutheran Church Extension Fund
Natural Disaster Loan Program

Loan Rates

New Mission Starts4.125%
Congregational4.500%
Specialized Ministries2.500%
RCW Mortgage APR3.590%
 

Investment Rates

StewardAccount®0.375% - 1.000%
Family Emergency1.125%
5-Year Term Note1.625%

The Natural Disaster Loan Program helps ministries more quickly return their focus to serving the people of their communities and sharing the Gospel of Jesus Christ.

Natural Disaster Loan Program

This loan and building assistance program is effective immediately and available to all eligible LCMS organizations and rostered church workers located in natural disaster areas as declared by federal, state or local officials. LCEF will work alongside organizations and church workers in need of loan funding (new or adjustment of existing LCEF loans) and/or facility redesign, repair and construction with services from our architects and members of Laborers For Christ and NAILS.

Natural Disaster Loan Program For LCMS Organizations

 

All loans are subject to loan underwriting and LCEF’s issuance of and terms of a commitment letter.

If your organization currently has a loan with LCEF, you may be eligible for other considerations.

To Start The Process

Contact your District Vice President. They are a valuable resource and your local representative in the process.

 

Facility Planning, Construction, Improvements

LCEF will work alongside your ministry in need of design planning and construction with services from our architects and members of Laborers For Christ and NAILS. Administrative fees associated with these services are waived if used in declared natural disaster areas.

Learn more about these services.

 

Natural Disaster Loan Program For Rostered Church Workers

 
  • First 12 months: 0% interest, no payment required.
  • Loan balance due at end of 12 months or amortized up to 72 months based on market rate and established LCEF lending guidelines.

All loans are subject to loan underwriting and LCEF’s issuance of and terms of a commitment letter.

If you currently have an RCW loan with LCEF, you may be eligible for other considerations.

To Start the Process

If you have questions, you may contact us.

LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. LCEF will offer and sell its securities only in states where authorized. The offer is made solely by LCEF's Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks.
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