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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% |
We are thankful for the partnership LCEF has with LCMS members, church leaders, congregations, schools and ministries. By working together, we can support one another and create more opportunities for sharing the Gospel.
LCMS Organizations
LCEF is proud to be a partner with congregations, schools and universities, new mission starts, international ministries and other agencies of the LCMS. These loans, provided with the partnership of investors and donors throughout the church, are making ministry happen.
Learn more about loans:
Rostered Church Workers
Allowing you more time for ministry, LCEF offers personal loans to rostered church workers of the LCMS. Whether you are still active or retired, we take special care of those that take care of us spiritually.
Learn more about loans for Rostered Church Workers:
Loan Information
The needs for loans vary, and we want to make the loan process as easy as possible for the borrower. Whether you need loan assistance to build, remodel or purchase equipment for your church or if you're a rostered church worker needing personal loan assistance, LCEF can provide many types of loan products to help you. Below are some helpful links.