Lutheran Church Extension Fund
Lutheran Church Extension Fund
Investments
Investment Rates

Through your investment support, funds are available to loan church workers and organizations. Thank you for supporting the LCMS and committing to making a difference!

Investment Rates

Our goal is to provide consistently competitive interest rates, which are set monthly, based on regional and national rates published by the Bank Rate Monitor™.

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Investment Minimum    Term
Term Notes - Fixed Rates
 $500.00 6 Months
$500.00 9 Months
$500.00 1 Year
$500.00 18 Months
$500.00 2 Years
$500.00 3 Years
$500.00 5 Years
$500.00 6 - 10 Years
$500.00 11 - 15 Years
$500.00 16 - 20 Years
Term Notes - Floating Rates $100.00 30 Months
$100.00 60 Months
$100.00 ---
$1,000.00 ---
$5,000.00 ---
$10,000.00 ---
(Not available for IRAs)
 $25.00 ** ---
(Not available for IRAs)
(Minimum for minor accounts $25)
 $100.00 ---
$1,000.00 ---
$5,000.00 ---
Yield Disclosure ***
(Not available for IRAs)
 $5,000.00 5 Years
5 Year Step Up (Fixed Rate)
 $500.00 5 Years
May
Rate APY *
0.250% 0.250%
0.375% 0.376%
0.500% 0.501%
0.625% 0.626%
0.750% 0.752%
1.000% 1.004%
1.625% 1.635%
1.875% 1.888%
2.125% 2.142%
2.750% 2.778%
0.500% 0.501%
1.040% 1.044%
0.375% 0.376%
0.500% 0.501%
0.625% 0.627%
1.000% 1.005%
1.125%
 
 1.131%
 
0.250% 0.250%
0.375% 0.376%
0.500% 0.501%
3.125%
 
 
 3.162%
 
 
2.500% 2.524%
June
Rate APY *
0.250% 0.250%
0.375% 0.376%
0.500% 0.501%
0.625% 0.626%
0.750% 0.752%
1.000% 1.004%
1.625% 1.635%
1.875% 1.888%
2.125% 2.142%
2.750% 2.778%
0.500% 0.501%
1.040% 1.044%
0.375% 0.376%
0.500% 0.501%
0.625% 0.627%
1.000% 1.005%
1.125%
 
 1.131%
 
0.250% 0.250%
0.375% 0.376%
0.500% 0.501%
3.125%
 
 
 3.162%
 
 
2.500% 2.524%
 
 
Congregation Investment Minimum    Term
StewardAccount® Rates $100.00 ---
$250,000.00 ---
$500,000.00 ---
$1,000,000.00 ---
Congregation Demand Rates $100.00 ---
Cemetery Perpetual Care Investment $1,000.00 ---
$25,000.00 ---
$50,000.00 ---
$100,000.00 ---
5-Year Fixed-Rate Cong Endowments $1,000.00 5 Years
$10,000.00 5 Years
$100,000.00 5 Years
60-Month Floating-Rate Cong Endowments $1,000.00 60 Months
$10,000.00 60 Months
$100,000.00 60 Months
May
Rate APY *
0.750% 0.753%
0.875% 0.879%
1.000% 1.005%
1.125% 1.131%
0.500% 0.501%
0.750% 0.753%
0.875% 0.879%
1.000% 1.005%
1.250% 1.257%
1.425% 1.433%
1.550% 1.559%
1.675% 1.686%
1.425% 1.433%
1.550% 1.559%
1.675% 1.686%
June
Rate APY *
0.750% 0.753%
0.875% 0.879%
1.000% 1.005%
1.125% 1.131%
0.500% 0.501%
0.750% 0.753%
0.875% 0.879%
1.000% 1.005%
1.250% 1.257%
1.425% 1.433%
1.550% 1.559%
1.675% 1.686%
1.425% 1.433%
1.550% 1.559%
1.675% 1.686%
 
 
Exclusive IRA Investment Products Minimum   Term  
Jumbo Fixed-Rate Notes $100,000.00 5 Years
Jumbo Floating-Rate Notes $100,000.00 60 Months
Dedicated Certificates $100.00 ---
$1,000.00 ---
$5,000.00 ---
$10,000.00 ---
May
Rate APY *
2.000% 2.015%
1.415% 1.423%
0.375% 0.376%
0.500% 0.501%
0.625% 0.626%
1.000% 1.004%
June
Rate APY *
2.000% 2.015%
1.415% 1.423%
0.375% 0.376%
0.500% 0.501%
0.625% 0.626%
1.000% 1.004%
 
 
HSA FlexPlus Certificates Minimum    Term   
HSA FlexPlus Certificates
$1.00
 ---
$2,500.00 ---
$5,000.00 ---
$15,000.00 ---
May
Rate APY *
0.875% 0.879%
1.375% 1.384%
1.750% 1.764%
2.375% 2.401%
June
Rate APY *
0.875% 0.879%
1.375% 1.384%
1.750% 1.764%
2.375% 2.401%
 
For more information or to obtain an LCEF Offering Circular, call 1-800-843-5233. You also may request an Offering Circular online. Your request will be processed by the next business day.
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
** Electronic investments required on at least a monthly basis until the balance reaches $10,000.00.
*** In conjunction with the purchase of the Next Generation Note, you have made a contribution to the LCEF. A portion of this contribution is non-deductible and considered a premium on the purchase of the note since you are receiving a benefit in return for the contribution (i.e., a higher interest rate than similar products on the balance of the note). If the non-deductible portion of the contribution (premium) is deducted from the interest on the note, the yield-to-maturity will be reduced. Please consider this before investing. (This product is not available for IRAs.)

Information on this web page is of a general nature and is not intended to be legal, accounting or tax advice. Neither the Lutheran Church Extension Fund nor its representatives give legal, accounting or tax advice. You should consult with your attorney and/or tax advisor as to the applicability of this information to your own situation.

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.
©2011 Lutheran Church Extension Fund. All rights reserved.