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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% |
Today's ministries are conducted in a fast-paced environment. LCEF is a resource for implementing appropriate programs to share and celebrate God's gifts, stay in touch with members, and develop a community of supporters to keep your ministry vital and responsive.
Financial Stewardship Services
LCEF is a partner to LCMS ministries, understanding that there are many financial needs that must be met and accommodated, but must be rooted in our Lutheran faith. We never forget that your mission is to serve, not be an expert at raising funds or cash management. We want you and your members to thrive in giving, not be stifled by the effort.
In general terms, we offer services and tools that can help your organization:
- Maximize your community's support and gifting potential for major projects and debt reduction with CFS (Capital Funding Services).
- Provide a sound foundation in teaching stewardship to adults, children and whole communities.
- Create easy methods for which offerings and tuition payments can be made.
- Distinguish your school program through branded communication and marketing resources.
Tackle Smaller Projects Now
Your congregation may not be ready to build a new church, but you still need more space. Ask Laborers For Christ to help. By being a spiritual and building partner, your ministry or congregation gains from Laborers’ witness and efforts to strengthen ministry, alongside their construction expertise. As one Laborer said, "There’s more to faith than just going to church on Sunday."
The True Value of Your Investment
Your LCEF investment represents more than a monetary "net worth": it represents a desire to reach more people with the Gospel. The value to your heirs will not come in the balance, but in the fact that you want your funds to help expand or renovate churches, and support Lutheran schools and church workers. As you periodically review your beneficiary designations, tell them why LCEF is special to you.