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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% |
Targeting a specific date for some investments can help plan for major events such as new construction or expansion, major repairs or upgrades, or simply for the continued financial health of your ministry.
Short- and Long-Term Investment Options
Organizations have different goals for different streams of their income. For part of that income, you may wish to have it invested for a specific amount of time. LCEF's Term Notes might be the right choice: the funds are invested for a set timeframe and are redeemable at the end of the term or available for re-investment.
You may select:
- Fixed-Rate Term Note—this note carries a constant interest rate, and requires a $500 minimum investment. Variety of terms available from 6 months to 20 years.
- Floating-Rate Term Note—rate is adjusted monthly based on prevailing market rates, and requires a $100 minimum investment. 30-month and 60-month terms available. Investments of $25 or more accepted throughout the term.
For complete disclosure information about LCEF, see the Offering Circular or request a copy by calling 1-800-843-5233.
Help Managing Ministry Finances
LCEF is a partner that understands how best to fund and sustain ministries. LCEF offers a variety of loans, including lines of credit for cash-flow purposes. Used with the StewardAccount® investment, with its competitive rates, and the free electronic tithing service Joyful Response®, your ministry can be the best financial steward possible.
Taking Comfort in Our Faith, Mission
The economic and political news can be unsettling. Rest assured, these events are not directly impacting LCEF's financial strength or your investments. Through our strong business model, LCEF remains fully capable of meeting our commitments to LCMS members and organizations as we all serve our gracious God. Find out more.