Lutheran Church Extension Fund
Lutheran Church Extension Fund
Investments
LCMS Organizations
Investments for Endowed Funds

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%

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.

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.
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