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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% |
Whether you are trying to grow your leaders, your volunteers, or give your entire congregation a more mission-focused outlook, LCEF offers a variety of workshops to encourage and support Christian discipleship.
Member and Leader Development
Thousand-Fold Workshop
Designed specifically to help congregations mobilize members for God's purposes. It is ideal for congregations that are having difficulty involving their members in ministry. Download the Thousand-Fold Workshop flier.
MissionFlex™
Many existing constitutions and bylaws are rigid and inflexible, based on church organizational structures that don't work in today's changing cultural environment. You and your congregation can frame a new Lutheran constitution—one that streamlines your congregation's ability to implement current and new ministries—in just ONE day!
The entire congregation makes the 10 fundamental decisions needed for the constitution, and small discussion groups are guided through the major decisions needed for the bylaws. The workshop is led by a Lutheran facilitator trained and skilled in organization leadership.
Dowload the MissionFlex brochure.
Leading to Action Workshop
Create a three-year ministry plan that re-energizes your congregation's commitment to ministry with the Leading to Action Workshop. The workshop is part of LCEF's Strategic Planning for Ministry process, and is geared for pastors, congregation staff and elected members. This workshop will help the entire congregation accomplish its goals with strategies and tactics. Download the Leading to Action Workshop flier.
Pastor Coaching Ministry
Pastor may find they need a trusted, confidential mentor to guide them in the area of leadership growth. It is understandable and may even be essential for their health and well being.
Available through LCEF's CFS ministry, our LCEF's Pastor Coaching Ministry is a process of professional spiritual renewal through one-on-one sessions with highly respected, ministry-tested pastors.
Building and Believing Weekend
A two-day event for growing leaders typically in conjunction with a CFS capital stewardship campaign. Includes workshop, Bible study and Sunday preaching by LCMS pastors known and respected throughout Synod for their leadership to the church. Download Building and Believing Weekend brochure.
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.
Investments Mean More with LCEF
Shopping around for rates? Consider the “ministry dividend” earned with an LCEF investment. Your investment helps other Lutheran organizations and church workers borrow at reasonable rates.