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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 rejoice in the task God has set before us and are thankful for the many gifts and investments LCMS members share with LCEF in order to provide LCMS organizations loans.
Construction/Bridge Loans
LCEF construction and bridge loans have just one closing, saving your organization time and money.
Terms of construction/bridge loans:
- Fixed rate during construction.
- All rates are 1% above the adjustable permanent rate.
- Loans written to allow up to two years for project completion.
- Loan fee of 1% of new money up to maximum of $15,000.
To get started:
- Complete loan application.
- Review application for complete and accurate information, including important date, property information, contact person, etc.
- Locate "Articles of Incorporation" of borrower.
- Find out if a survey of the land exists.
- Forward any existing title work with loan application.
- Contact your District Vice President early in the application process. They are a valuable resource and your local representative in the process.
If you have questions, you may contact us or see the frequently asked questions.
Lift Up Your Leaders
LCEF’s workshops help members become more effective and focused, as well as re-energized for ministry. Review our offerings and discuss with your leaders which might best suit your organization’s needs.
Be Prepared for the Unexpected
Don't let financial emergencies sabotage your monthly budget. Start a Family Emergency StewardAccount® to help you cover unexpected expenses, while also providing funds LCMS organizations need for their ministry needs.