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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% |
We work alongside congregations and other LCMS-related organizations to build churches, schools, fellowship halls, retirement homes, camp facilities, etc. Whatever the physical space needed for your ministry, LCEF can help design, build, renovate and construct the structure.
Facility Planning, Construction, Improvements
Members of the Architectural Advisory Committee (AAC) are professional Lutheran architects and liturgical artists who advise on architectural design, planning, construction and preservation of facilities.
The committee sponsors an Art and Architecture Award program, for which entries are being accepted for consideration in 2012. Information about the program and links to the entry application can be found here. Awards will be presented at LCEF's Fall Leadership Conference in November 2012.
Laborers For Christ, founded in 1980, has helped complete more than 800 "building for eternity" projects. Members are dedicated Christians who enjoy witnessing their faith, serving others, traveling and meeting new people. View the most recent project list.
The young adult arm of Laborers is NAILS, typically made up of college and seminary students who work alongside LCMS organizations and Laborers. The benefits include helping fund their education and working with fellow Christians to further the Lord's work. If you are a congregation and want to know more about how this program will work for you, see our brochure.
All of these groups can work together to assist your ministry in creating a more energy efficient facility.
Build Connections Through Childcare
"We feel very blessed to have been able to work with LCEF to fund this project," said Rev. Lawrence Mitchell of Faith Lutheran Church in Bloomington, Ind. An LCEF loan allowed the congregation to build an addition that supports its growing child-care ministry. Mitchell says "many families have become involved or re-involved with the church" through the center. Let LCEF help fund your childcare outreach.
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.