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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.
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.
Turn Mission Wishes to Realities
Have a "wish" list? Need funds to replace equipment, renovate space, add child-care services or make efficiency upgrades? LCEF is a trusted partner for architectural advice, a stewardship campaign, expert building assistance and a loan. Whatever the "wishes," LCEF can help make realities.