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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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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% |
Have the satisfaction of knowing your funds will be distributed to the individuals and/or organizations of your choice, immediately and without penalty...when you are at home with the Lord.
Designating a Beneficiary
When Designating A Beneficiary on an LCEF Investment, You...
- Avoid probate (a lengthy and sometimes costly process in which the courts distribute your assets). At your death, designated beneficiaries receive benefits immediately (without a penalty), potentially avoiding the delay, expense, and inconvenience of probate.
- Have the satisfaction of knowing your funds will be distributed to the individuals and/or organizations of your choice.
- Maintain complete control over your account.
- Can change beneficiaries any time you wish.
- Establish an investment that your beneficiaries may have the option to continue after your death.
- Receive estate-tax deductions for bequests to qualified charitable organizations. When you designate a tax-exempt organization as a beneficiary (like LCEF), every dollar is passed on to the ministry. Your gift furthers the Lord's work, and the estate-tax deductions save more money for your heirs.
To designate or change existing beneficiaries, you must complete a Beneficiary Designation Form.
If you're considering leaving some of your LCEF investments to one or more beneficiaries, they will want to know why you chose to invest with LCEF. Just as you periodically review your beneficiary designations to ensure your plans still fit your priorities, you may wish to share with them why LCEF is special to you. We have a brochure that could be helpful in beginning your discussions as well.
If you have questions, call 1-800-843-5233.
Tackle Smaller Projects Now
Your congregation may not be ready to build a new church, but you still need more space. Ask Laborers For Christ to help. By being a spiritual and building partner, your ministry or congregation gains from Laborers’ witness and efforts to strengthen ministry, alongside their construction expertise. As one Laborer said, "There’s more to faith than just going to church on Sunday."
Project Solutions from Start to Finish
LCEF provides services for ministries with a vision for serving their community, a need to build with a witness partner and a desire to bring out the most in their community's stewardship potential. Intent on strengthening the church, LCEF supports LCMS organizations with a variety of resources in addition to loans and investments.