Media Hub-
Home
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
Points of Interest
Interesting Links
Need help finding something?
-
Contact Us
National Office
Lutheran Church Extension Fund10733 Sunset Office Drive, Suite 300St. Louis, MO 63127-1020Phone: 1-800-843-5233Fax: (314) 996-1131Contact Form
You may also complete the
Contact Form.
View Map
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.
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.
Help 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.