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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.
Taking Comfort in Our Faith, Mission
The economic and political news can be unsettling. Rest assured, these events are not directly impacting LCEF's financial strength or your investments. Through our strong business model, LCEF remains fully capable of meeting our commitments to LCMS members and organizations as we all serve our gracious God. Find out more.
Build a Better School Brand
Times have changed for today’s Lutheran schools. Leaders and parents must do more to attract and retain students and staff. To help schools remain viable, LCEF offers Project School Zone. In addition to coordinated marketing materials, Project School Zone is a resource for developing branding strategies with a downloadable handbook, quarterly e-newsletter and periodic free webinars.