Lutheran Church Extension Fund
Lutheran Church Extension Fund
Loans
Rostered Church Workers
Consolidation Loans

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%

This program is designed to lend personal financial management assistance and to help consolidate debt into one monthly payment.

Consolidation Loans for Rostered Church Workers

Features:

  • Competitive interest rates.
  • Ability to consolidate outstanding unsecured loans such as credit cards, medical fees, or taxes.
  • Friendly, knowledgeable loan officers.
  • Internet and automated telephone access to loan information.

LCEF consolidation loans are available to qualified applicants in approved states.

Program participants receive and give the "ministry dividend." We ask that you also invest with LCEF (in which you earn a competitive interest rate), and these invested dollars further help us help other church workers in the future. Your true investment is in helping others—just as others have helped you.

If you have questions, you may contact us or see the frequently asked questions.

Download an application.

Tools for Managing Ministry Finances

LCEF is a partner that understands how best to fund and sustain ministries. LCEF offers a variety of loans, including lines of credit for cash-flow purposes. Used with the StewardAccount® investment, with its competitive rates, and the free electronic tithing service Joyful Response®, your ministry can be the best financial steward possible.

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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