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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.
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.
A Trusted Guiding Resource
Just as our faith provides us with a compass to guide us through everyday life, LCEF offers guidance in matters related to building your ministry, from its physical structure to fostering leadership and volunteerism to stewardship education. Everything LCEF does is based on Lutheran principles with the goal of serving our Lord. We are your partner on this journey of sharing the Gospel.