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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% |
With rising health care costs, you may have chosen to enroll in a high-deductible health plan (HDHP). This option can be a cost saver, but does require careful planning. LCEF has a health savings account (HSA) that may help.
Health Savings Account (HSA)
Many employers, including Concordia Plan Services, offer an HDHP as a health-care coverage option. An HSA allows you to use funds invested to pay for qualified medical expenses. Contributions are tax-deductible, earnings grow tax-free, and redemptions are tax-free for qualified medical expenses. The LCEF option, called the HSA FlexPlus Certificate, earns interest in addition to being easily accessible.
The main difference between this type of account and other medical savings accounts is that the funds carry over year to year with no "use it or lose it" requirement. Health Savings Account Brochure
Features:
- Minimum investment $1.00 to open account.
- HSA dollars at LCEF earn the "ministry dividend"—your dollars work for you and the Church at the same time!
- Competitive interest rates for the HSA FlexPlus Certificate.
- Low annual fee. (see Special Service Fee Notice for more information.)
Not all HDHPs are compatible with LCEF's health savings account, so please check with your employer or health insurance provider. (Not available in South Carolina.)
HSA Forms
Find the forms you need to open or maintain your HSA with LCEF at our HSA Service Center.
Consult Your Tax Advisor
Neither LCEF nor its representatives give legal, accounting, or tax advice. We always suggest that you consult with your tax advisor as to the applicability of this information to your own situation.
For assistance in completing the necessary forms or have any questions, please call 1-800-843-5233.
The True Value of Your Investment
Your LCEF investment represents more than a monetary "net worth": it represents a desire to reach more people with the Gospel. The value to your heirs will not come in the balance, but in the fact that you want your funds to help expand or renovate churches, and support Lutheran schools and church workers. As you periodically review your beneficiary designations, tell them why LCEF is special to you.
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.