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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% |
Ministry opportunities are abundant. Services such strategic planning, stewardship education and campaigns, electronic gifting, architectural advice and building construction can help you respond, with many fellow believers at your side.
Services for LCMS Organizations
LCEF provides organizations ministry and financial services to help your members grow their capacity for mission and ministry.
- Vision Planning, for identifying God's plan for you and your organization, and tools to discover your community and new mission fields.
- Facility Planning, Construction, Improvements, for when physical space is needed for your ministry.
- Financial Stewardship Services, bringing the best your members have to offer back to the Lord. Includes convenient and free e-payment processing services that aid in office operations.
- Marketing to Your Community, providing communication tools and resources to make your organization and its ministry better known.
- Stewardship Education for fostering a giving relationship with God.
- Member and Leader Development, maximizing what each person has to contribute to the ministry.
- Marketing Your School with Project School Zone, a marketing resource to enhance recruitment and retention efforts in LCMS early childhood, elementary and secondary schools.
Our services are built around and for the LCMS, with the goal to positively impact people with the glory of God and enhancing members' mission focus.
Loan Rates to Suit Your Needs
There are times when a floating-rate loan makes sense, and there are times when a fixed rate is better suited for your ministry. LCEF offers both, depending on your organization’s needs. If you and your leadership team are unsure which would be the best option, contact your LCEF District Vice President.
Look to LCMS Funding Partner
You may have a loan partner in your community, but do you have a funding and ministry partner? There are thousands of dedicated investors that want to help build a church, school or child-care facility. That's why they invest in LCEF. If your ministry is looking for a loan partner, choose one that has investors and staff members that share your Christian values.