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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% |
Not all loans are for building projects. We have loan dollars and ministry-focused services available to help your organization fulfill God's mission.
Lines of Credit
Lines-of-credit loans are to be used for anticipated cash flow deficiencies in operating budget on a recurring basis.
To start the process:
- Complete loan application.
- Review application for complete and accurate information, including important date, property information, contact person, etc.
- Contact your District Vice President early in the process. They are a valuable resource and your local representative in the process.
Facts about lines of credit:
- Credit Limit: 15% of previous year's income (excluding building funds and bequests).
- Term: Five-year period with annual review. Interest on outstanding balance billed monthly.
- Zero-Debt Period: The balance must be reduced to zero for 30 consecutive days out of each 12-month period.
- Loan fee of 1% of new money up to maximum of $7,500.
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.
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."