
| New Mission Starts | 4.375% |
| Congregational | 4.750% |
| Specialized Ministries | 2.750% |
| RCW Mortgage APR | 3.844% |
| StewardAccount® | 0.375% - 1.250% |
| Family Emergency | 1.375% |
| 5-Year Term Note | 1.875% |

This program is designed to lend personal financial management assistance and to help consolidate debt into one monthly payment.
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.
Have you ever said, "I’ll take care of that tomorrow?" What if you need emergency cash today, but always delayed until "tomorrow" setting up a "rainy day" fund? An unexpected expense can sabotage your monthly budget. So make room in your budget now for a regular, monthly deposit to a Family Emergency StewardAccount®. The investment builds over time and earns a competitive rate.
Unsure about whether to open a traditional or a Roth IRA? There are many points to consider; this brochure may help. LCEF offers both types, whichever path you choose. By investing with LCEF, your retirement funds earn a steady, competitive rate while benefiting LCMS ministries. Making funds available now and for the future is our mission.