Media Hub-
Home
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
Points of Interest
Interesting Links
Need help finding something?
-
Contact Us
National Office
Lutheran Church Extension Fund10733 Sunset Office Drive, Suite 300St. Louis, MO 63127-1020Phone: 1-800-843-5233Fax: (314) 996-1131Contact Form
You may also complete the
Contact Form.
View Map
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 LCEF's unique ministry-through-investment program, investors know they are helping create or expand LCMS ministries. Your investment in a Next Generation Note helps fund today's programs, with a promise for tomorrow's ministries.
Investment Plus Gift
The Next Generation Note unites both invested and contributed dollars to strengthen LCEF's capability to offer loans and services to LCMS ministries. You are a key partner in making a difference in the Church now and for the next generation.
The Next Generation Note gives you a higher interest rate on your investment, along with the satisfaction of connecting with ministries. The additional interest is 1.5% for the initial term of the note.
Features:
- Five-year, fixed-rate term note.
- $5,000 minimum purchase price; 10% minimum gift
- Interest distributed or compounded quarterly
- Plus, based on a 25% tax rate and full deductibility of the eligible deductible portion, the tax benefit of the gift adds approximately 0.14% to the total annual return.
In conjunction with the purchase of the Next Generation Note, you have made a contribution to the LCEF. A portion of this contribution is non-deductible and considered a premium on the purchase of the note since you are receiving a benefit in return for the contribution (i.e., a higher interest rate than similar products on the balance of the note). If the non-deductible portion of the contribution (premium) is deducted from the interest on the note, the yield-to-maturity will be reduced. Please consider this before investing.
This product is not available for IRAs.
Information on this web page is of general nature and is not intended to be legal, accounting, or tax advice. Neither the Lutheran Church Extension Fund nor its representatives give legal, accounting or tax advice. You should consult with your attorney and/or tax advisor as to the applicability of this information to your own situation.
For complete disclosure information, see the Offering Circular or request a copy by calling 1-800-843-5233. After reviewing the Offering Circular, download an application
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.
Project Solutions from Start to Finish
LCEF provides services for ministries with a vision for serving their community, a need to build with a witness partner and a desire to bring out the most in their community's stewardship potential. Intent on strengthening the church, LCEF supports LCMS organizations with a variety of resources in addition to loans and investments.