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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% |
Having a "rainy day" fund gives you peace of mind while helping LCMS ministries. The Family Emergency StewardAccount® helps set aside money for unplanned expenses while earning a competitive market rate.
Investing for Emergencies
You never know when there may be a need for funds not allocated in your monthly budget. The Family Emergency StewardAccount is an investment that builds over time with your systematic deposits through electronic funds transfer (EFT) and interest earned. But you can access the funds easily in the case of an urgent need.
Features:
- Minimum $25 investment to open account.
- Minimum $25 monthly electronic investment required until account reaches and maintains a balance of $10,000 or more.
- Interest compounded and paid monthly at month end.
- Interest rates adjusted monthly.
- No maintenance or membership fees.
- Initial quantity of checks provided FREE; replacement orders competitively priced.
- Per-check minimum of $250.
- Limit of 12 checks per calendar year.
For complete disclosure information about LCEF, see the Offering Circular or request a copy by calling 1-800-843-5233.
Note: The StewardAccount is not available to investors living in South Carolina. StewardAccount access services are offered through UMB Bank, n.a.
Fees may be charged for customer-initiated special service requests.
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.
Mission Fulfillment Now and for Future
Funding a ministry through a loan often involves the inevitable: paying interest. With an LCEF loan, you become a partner with other LCMS borrowers and investors in building the church. As a loan is repaid, those dollars become available to other congregations to build or update their facilities to serve this and future generations.