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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% |
Allowing you more time for ministry, LCEF offers personal loans to rostered church workers of the LCMS. Whether you are active or retired, we take special care of those that take care of us spiritually.
Loans for Rostered Church Workers
LCEF is proud to offer LCMS commissioned or ordained ministers (active or emeritus status) and teachers that are rostered:
- residential loans to purchase or refinance primary, single-family residences;
- consolidation loans for education, credit cards, taxes, medical expenses, auto repairs, etc.; and,
- home equity loans.
Before submitting your application, please view the list of states in which LCEF is able to provide RCW residential and home equity loans.
State disclosures are available here.
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.
MyAccount access is granted through an application process to investors and loan customers. Fill out an application to receive your user name and password.
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.
If you have questions, you may contact us or see the frequently asked questions.
Updates Provide Resource Relief
Don’t spend precious resources on high utility bills, temporary repairs, outdated appliances. Use LCEF to fund projects such as systems upgrades, energy updates and renovations that make your building more functional and efficient. For expert guidance, use the Architectural Advisory Committee and Laborers For Christ.
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.