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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% |
A busy lifestyle doesn't mean you can't complete daily tasks with the Lord's work in mind. A StewardAccount® provides you with convenient access to your funds while creating ministry and education opportunities.
Investments with Online Convenience
LCEF's StewardAccount® is an interest-bearing investment. This account offers online services through MyAccount. By using the online features, you're promoting the good stewardship of resources. We can reduce administrative costs and keep loan rates to churches, schools, and church workers as low as possible.
StewardAccount Features:
- Minimum $100 investment to open account.
- Variable interest rates adjusted monthly.
- Interest compounded and paid monthly.
- Free check writing and optional Visa® Debit Card access.
- Tiered interest rates that rise as your balance grows.
- Unlimited number of checks per month, with per-check minimum of $250.
- No monthly maintenance or membership fees.
- Free MyAccount online services, including bill pay and e-statements.
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.
Paying for Health Expenses
If you have a high-deductible healthcare plan, invest to cover the costs of qualified expenses. A health savings account (HSA) can roll over each year.
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.