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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% |
The Cemetery Perpetual Care StewardAccount for LCMS congregations ensures money set aside for the cemetery is earning a competitive rate of return and is easily accessible.
Cemetery Care
Cemeteries provide a place for family members and other loved ones to visit, remember and heal. Knowing a loved-one is memorialized can be of great comfort. To help your organizations ensure it is maintained, we offer the Cemetery Perpetual Care StewardAccount.
Whether it is standard cemetery maintenance or an unexpected and sometimes catastrophic cost caused by flood, earthquake or vandalism, your group must have the funds readily available. This investment works similar to other StewardAccounts, including check-writing privileges and optional Visa® Debit Card transactions.
Features:
- Minimum $1,000 investment to open account.
- Variable interest rates are adjusted, compounded and paid monthly.
- Tiered interest rates that rise as balance grows.
- Monthly statements.
- No monthly maintenance or membership fees.
- Initial quantity of checks provided FREE; replacement orders competitively priced.
- Minimum amount per check is $250.
- Unlimited number of checks per month.
- Special ministry revenue is generated on Visa Debit Card purchases that do not involve entering a personal identification number (PIN).
For complete disclosure information about LCEF, see the Offering Circular or request a copy by calling 1-800-843-5233.
Note: The Cemetery Perpetual Care StewardAccount is not available in South Carolina. StewardAccount access services are offered through UMB Bank, n.a.
Fees may be charged for customer-initiated special service requests.
Ease Debt with Mission Partner
With low interest rates, now is an opportune time to let LCEF help ease your congregation’s debt burden through the refinancing of higher-rate loans with other lenders. An LCEF loan comes with the long-term benefits of a partnership that assists other ministries and supports church workers. Besides working with you to reach more people and extend the possibilities for your ministry, we understand your mission.
Site and Facility Questions Answered
Get the most of your organization’s facility and plan for a future full of reverence, hope and caring with help from the Architectural Advisory Committee. These professionals are a resource for making sound economic decisions when planning new places of worship and Christian education or in the expansion and care of existing facilities.