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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% |
Many more financial transactions are conducted electronically these days, including offerings and tuition payments. It is important for you to be able to offer members convenient, transportable options for maintaining their commitment.
E-Tithing and E-Tuition Payments
LCEF offers e-tithing and e-tuition payments through its Joyful Response® program, a free stewardship service for congregations, schools and ministry service organizations.
LCMS Congregations should use the Joyful Response Electronic Offering Program so members...
- Give offerings consistently.
- Fulfill their stewardship commitments.
- Share their financial blessings efficiently and predictably.
Order the Electronic Offering program packet today.
LCMS education programs (preschool through college) should use the Joyful Response Electronic Tuition Payment Program so families...
- Make tuition payments reliably and conveniently.
- Fulfill their tuition payment commitments with ease.
- Enjoy saving time and cost of writing checks.
Order the Electronic Tuition Payment program packet today.
LCMS ministries (i.e. LWML, districts, RSOs) should use the Joyful Response Electronic Donation Program so your supporters...
- Complete their contribution pledge timely and dependably.
- Share their generosity with ease and convenience.
- Help ministries concentrate on actual ministry and less on budget issues.
- LWML TREASURERS: Order the Electronic Mites Program Enrollment Form to help give your participants a convenient way to fulfill their mite donation commitments!
Order the Electronic Donation program packet today.
Be Prepared for the Unexpected
Don't let financial emergencies sabotage your monthly budget. Start a Family Emergency StewardAccount® to help you cover unexpected expenses, while also providing funds LCMS organizations need for their ministry needs.