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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% |
Planning for major expenses or establishing an endowment for the future vitality of your ministry can actually help other ministries plan for their futures. An Endowment Certificate provides steady income and supports the loan and service side of LCEF.
Investments for Endowed Funds
Congregation Endowment Certificates have stated maturity dates, helping you plan for your organization's needs, such as investment income, building projects or endowments. Available to LCMS congregations and religious organizations only.
Fixed-rate:
- Minimum $1,000 to open account.
- Five year term.
- Interest rate remains fixed throughout the five-year term.
- Interest is computed daily and paid at calendar quarter end-of-month.
- Tiered interest rates that rise as your balance grows.
Floating-rate:
- Minimum $1,000 to open account.
- 60-month term.
- Tiered interest rates that rise as your balance grows.
- Interest is computed daily and paid at calendar quarter end-of-month.
For complete disclosure information about LCEF, see the Offering Circular or request a copy by calling 1-800-843-5233.
Christian Partner for Funding
If your congregation is remodeling, building a sanctuary, upgrading systems for efficiency or expanding its daycare center, we have loan funds available to assist you. We offer personal, caring, Christian services that help you bear witness to Jesus Christ and to those that do not know Him.
Mission Fulfillment Now and for Future
Funding a ministry through a loan often involves the inevitable: paying interest. With an LCEF loan, you become a partner with other LCMS borrowers and investors in building the church. As a loan is repaid, those dollars become available to other congregations to build or update their facilities to serve this and future generations.