Lutheran Church Extension Fund
Lutheran Church Extension Fund
Investments
LCMS Organizations
Cemetery Care

Loan Rates

New Mission Starts4.125%
Congregational4.500%
Specialized Ministries2.500%
RCW Mortgage APR3.590%
 

Investment Rates

StewardAccount®0.375% - 1.000%
Family Emergency1.125%
5-Year Term Note1.625%

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.

Loan Rates to Suit Your Needs

There are times when a floating-rate loan makes sense, and there are times when a fixed rate is better suited for your ministry. LCEF offers both, depending on your organization’s needs. If you and your leadership team are unsure which would be the best option, contact your LCEF District Vice President.

Partners in Borrowing

Saving time and money are the hallmarks of our organizational loans. With just one closing for construction loans and reasonable fees and rates, we're a preferred partner. Along with our caring loan staff, our "Helping Hands in the Lending Process" will assist you every step of the way.

LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. LCEF will offer and sell its securities only in states where authorized. The offer is made solely by LCEF's Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks.
©2011 Lutheran Church Extension Fund. All rights reserved.