Lutheran Church Extension Fund
Lutheran Church Extension Fund
Investments
LCMS Organizations

Loan Rates

New Mission Starts4.375%
Congregational4.750%
Specialized Ministries2.750%
RCW Mortgage APR3.844%
View all loan rates and licensing.
 

Investment Rates

StewardAccount®0.375% - 1.250%
Family Emergency1.375%
5-Year Term Note1.875%
View all investment rates.

LCEF knows you may need to manage cash for everyday expenses or investments for endowments and future capital expenditures. We work with you to ensure the investments make sense for your distinctive needs and work as hard for you and your ministry as you do.

Investments for LCMS Organizations

As an LCEF investor, your organization earns competitive rates of interest, retains ownership of investment balances and maintains access. While meeting your group's financial needs, you are sharing the use of your invested resources with fellow Lutherans and ministries for loans and related services.

The investments we offer vary depending on the purpose for the funds.

Easy-access investments with no maturity date

Giving you the most access with no specific maturity date, you may wish to invest in:

Investments with maturity dates to help you plan

Helping you plan for investment income, building projects or endowments, with specific maturity dates, you may wish to invest in:

Account Tools

Tools to make your account work for you, giving you control of your account:

Note: Some LCEF investments are not available to organizations in South Carolina, per state regulations. Review your state's Offering Circular for details.

The True Value of Your Investment

Your LCEF investment represents more than a monetary "net worth": it represents a desire to reach more people with the Gospel. The value to your heirs will not come in the balance, but in the fact that you want your funds to help expand or renovate churches, and support Lutheran schools and church workers. As you periodically review your beneficiary designations, tell them why LCEF is special to you.

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.

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.
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