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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% |
Targeting a specific date for some of your investments can help you better plan for your first house, or big events such as having a baby, celebrating a wedding or even retiring.
Short- and Long-Term Investment Options
Your goals vary, just as the ways we can share our faith vary. For some of your investment portfolio, you may have specific goals that need to be achieved by a certain date. That's why an LCEF Term Note might be the right choice: the funds are invested for a specific period of time and remain yours to redeem at the end of the term or re-invest.
You may select:
- Fixed-Rate Term Note—this note carries a constant interest rate, and requires a $500 minimum investment. Variety of terms available from 6 months to 20 years.
- Floating-Rate Term Note—rate is adjusted monthly based on prevailing market rates, and requires a $100 minimum investment. 30-month and 60-month terms available. Investments of $25 or more accepted throughout the term.
For complete disclosure information about LCEF, see the Offering Circular or request a copy by calling 1-800-843-5233.
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.
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.