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

Loan Rates

New Mission Starts4.375%
Congregational4.750%
Specialized Ministries2.750%
RCW Mortgage APR3.844%
View all loan rates and licensing.
 

Investment Rates

StewardAccount®0.375% - 1.250%
Family Emergency1.375%
5-Year Term Note1.875%
View all investment rates.

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.

Turn Mission Wishes to Realities

Have a "wish" list? Need funds to replace equipment, renovate space, add child-care services or make efficiency upgrades? LCEF is a trusted partner for architectural advice, a stewardship campaign, expert building assistance and a loan. Whatever the "wishes," LCEF can help make realities.

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."

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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