Lutheran Church Extension Fund
Lutheran Church Extension Fund
Investments
Beneficiary Bequests

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%

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.

New 30-Year Loan Available for RCWs

We are blessed to be a caring source for rostered church worker loans. From determining what loan is best, to guiding you through the entire process, you can count on us. In addition to our existing mortgage loans, we now offer 30-year fixed-rate mortgages. Competitive rates, low down payments and no corresponding PMI requirement are just part of how we serve you in the passionate way you serve us.

Traditional or Roth, LCEF Offers It

Unsure about whether to open a traditional or a Roth IRA? There are many points to consider; this brochure may help. LCEF offers both types, whichever path you choose. By investing with LCEF, your retirement funds earn a steady, competitive rate while benefiting LCMS ministries. Making funds available now and for the future is our mission.

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.
©2011 Lutheran Church Extension Fund. All rights reserved.