Lutheran Church Extension Fund
Lutheran Church Extension Fund
Investments
LCMS Members and Businesses

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%

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."

Investments for LCMS Members and Businesses

As an LCEF investor, you earn competitive rates of interest, retain ownership of investment balances and maintain accessibility of funds. While you work to meet your investment goals, you are sharing the use of your invested resources with fellow Lutherans, making LCEF loans and related services possible.

Are you investing for:

LCEF also offers:

Online access through MyAccount promotes the good stewardship of resources. By using these financial services, you help us reduce administrative costs. That in turn allows us to keep loan and service rates to churches, schools, and church workers as low as possible.

MyAccount access is granted through an application process to investors and loan customers. Fill out an application to receive your user name and password.

Note: Some LCEF investments are not available to investors living in South Carolina, per state regulations. Review your state's Offering Circular for details.

Tools for Managing Ministry Finances

LCEF is a partner that understands how best to fund and sustain ministries. LCEF offers a variety of loans, including lines of credit for cash-flow purposes. Used with the StewardAccount® investment, with its competitive rates, and the free electronic tithing service Joyful Response®, your ministry can be the best financial steward possible.

Build Connections Through Childcare

"We feel very blessed to have been able to work with LCEF to fund this project," said Rev. Lawrence Mitchell of Faith Lutheran Church in Bloomington, Ind. An LCEF loan allowed the congregation to build an addition that supports its growing child-care ministry. Mitchell says "many families have become involved or re-involved with the church" through the center. Let LCEF help fund your childcare outreach.

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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