Lutheran Church Extension Fund
Lutheran Church Extension Fund
Loans
LCMS Organizations

Loan Rates

New Mission Starts4.125%
Congregational4.500%
Specialized Ministries2.500%
RCW Mortgage APR3.590%
 

Investment Rates

StewardAccount®0.375% - 1.000%
Family Emergency1.125%
5-Year Term Note1.625%

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.

Covering Unexpected Expenses Easily

Protecting your family is a priority. Saving for a rainy day is a way for you to protect your family from a financial storm. The Family Emergency StewardAccount® is an investment that builds over time with systematic deposits and earned interest. You can access the funds easily in the case of an unexpected expense, and to keep from using a high-interest credit card.

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.

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.
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