
| New Mission Starts | 4.375% |
| Congregational | 4.750% |
| Specialized Ministries | 2.750% |
| RCW Mortgage APR | 3.844% |
| StewardAccount® | 0.375% - 1.250% |
| Family Emergency | 1.375% |
| 5-Year Term Note | 1.875% |

Thank you for entrusting your charitable donation to LCEF in order that together we may help LCMS members and organizations share His message with more people.

There are many options for incorporating a charitable contribution to LCEF into your overall financial plan. Have you considered a gift annuity or the Next Generation Note? Each offers a different approach to expanding the kingdom and thinking of your future.
You may contribute all or part of the interest earned on your LCEF investments to LCMS ministries close to your heart. Your gifted interest will be sent directly to the ministry of your choice for a specific period of time. LCEF investors may fill out this form to get started; if you are not yet an investor but wish to be, visit our Investment section.

Builders' Circle is focused on caring for and nurturing the relationship between LCEF and its supporters. The gifts received enable LCEF to help LCMS organizations and rostered church workers share His message with more people, all working together in Christ's name. As a member you will get to know the ways LCEF and its partners touch lives and reach out to those in need.

Gifts given directly to LCEF make it possible for us to keep costs low on loans and services, and help LCMS organizations maximize their resources for ministry. We offer two convenient methods for contributing: you may send your check to LCEF at this address or you may set up an automatic deduction through your bank.
Maybe you, your family or church community have been touched by one of the many specific ministry programs within LCEF. Gifts may be designated to a select ministry (for example, Haake World Ministry, rostered church worker loans or Laborers For Christ). Just as with any direct gift, you have a choice in how that gift may be made as well as the program for which it is used.