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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.
Updates Provide Resource Relief
Don’t spend precious resources on high utility bills, temporary repairs, outdated appliances. Use LCEF to fund projects such as systems upgrades, energy updates and renovations that make your building more functional and efficient. For expert guidance, use the Architectural Advisory Committee and Laborers For Christ.
Project Solutions from Start to Finish
LCEF provides services for ministries with a vision for serving their community, a need to build with a witness partner and a desire to bring out the most in their community's stewardship potential. Intent on strengthening the church, LCEF supports LCMS organizations with a variety of resources in addition to loans and investments.