
| 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% |

LCEF offers a wide array of investment opportunities to help individuals and LCMS organizations meet their investment goals while supporting the overall mission and ministry of the church.
As an LCEF investor, you earn competitive rates of interest, retain ownership of investment balances, and maintain accessibility of funds. While meeting your investment goals, your invested resources will be shared with fellow Lutherans, making LCEF loans and related services possible. Investments are open to individuals and organizations within the LCMS. You may also use LCEF for family trusts or business investments.
Bringing you investment options that best suit you and your families' needs is important. The choices LCEF offers are meant to be just a part of your overall financial plan, filling critical pieces of the "pie."
Learn more about investments for LCMS Members and Businesses:
LCEF knows you may need to manage cash for everyday expenses or investments for endowments and future capital expenditures. We work with you to ensure the investments make sense for your distinctive needs.
Learn more about investments for LCMS Organizations:

Below are links to information you will need to make a decision on which investments to choose now and managing your investment in the future. Our Information Representatives can be reached at 1-800-843-5233 if you need further assistance.