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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.
Conserve Resources with LCEF's Help
Renovations to facilities often save utility costs and free resources for ministry. Consider an LCEF loan to create more energy efficient buildings or update for better accessibility. The Architectural Advisory Committee Laborers For Christ can provide recommendations and help implement your projects.
Joyfully Lift Up Stewardship Efforts
Your congregation’s stewardship efforts should give clear witness to the Christian faith. Bring more joy to their giving with a concentrated, Lutheran stewardship campaign for a specific goal or stewardship education that can be conducted at any time with adults and children. LCEF's consultants and materials are tailored to your ministry.