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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% |
LCEF is proud to be the preferred funding resource to LCMS organizations. These loans, provided with the partnership of investors and donors throughout the church, are making ministry happen.
Loans for LCMS Organizations
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 refinance an existing loan, having the funds and personalized service you need, can help you perpetuate your ministry plans. LCEF offers:
Your LCEF loan officer and/or escrow officer will help you with questions and consultation at each step of the loan process. Read some frequently asked questions.
Review our booklet "Helping Hands in the Lending Process," to learn about the loan process and the responsibilities of the individuals who will assist you during the process.
You can monitor your loan through MyAccount online service. MyAccount promotes the good stewardship of resources, helping us reduce administrative costs which in turn helps keep loan and service rates as low as possible.
You may pay your LCEF loan with funds from another financial institution. Authorization form for Automated Electronic Loan Payments. Before using this feature, please read the Electronic Funds Transfer Agreement and Disclosure.
MyAccount access is granted through an application process to investors and loan customers. Fill out an application to receive your user name and password.
Tackle Smaller Projects Now
Your congregation may not be ready to build a new church, but you still need more space. Ask Laborers For Christ to help. By being a spiritual and building partner, your ministry or congregation gains from Laborers’ witness and efforts to strengthen ministry, alongside their construction expertise. As one Laborer said, "There’s more to faith than just going to church on Sunday."
Big Events Support Churches, Schools
Planning a wedding, buying a new house or retiring in the near future? Targeting a specific date for some of your investments can help fund those plans. Term notes are invested for a specific period of time and remain yours to redeem at the end of the term or to re-invest. While invested, they are not only building your dreams, but helping fund a loan for a school or church.