
| New Mission Starts | 4.375% |
| Congregational | 4.750% |
| Specialized Ministries | 2.750% |
| RCW Mortgage APR | 3.844% |
| StewardAccount® | 0.375% - 1.250% |
| Family Emergency | 1.375% |
| 5-Year Term Note | 1.875% |

The NAILS program is designed to reenergize congregations and help young people channel their enthusiasm and desire to actively serve the Lord in construction and renovation projects for LCMS ministries.
As a young person, you'd like to be involved in active modes of ministry. Your goals of higher education and service can be melded through the NAILS program. You earn extra money during breaks from school, while spending time with fellow Christians who enjoy furthering the Lord's work. To find out the details, read our brochure, or contact LCEF. To read about some of the projects NAILS members have served on and chat with them, visit the NAILS Facebook page. ![]()
Once you've decided to join this unique ministry, complete the enrollment form, get the appropriate signatures, and mail to:
The enrollment form asks for general information including a pastor's or school official's signature, information about skills, work history, and medical condition(s). Once accepted to the roster, the student's name is entered into a database and a resume is compiled. When an enrolled member indicates a willingness to work for a specific congregation project, this resume is forwarded to the congregation and serves as a basis for its decision on who the congregation will hire for a particular project.
Have you ever said, "I’ll take care of that tomorrow?" What if you need emergency cash today, but always delayed until "tomorrow" setting up a "rainy day" fund? An unexpected expense can sabotage your monthly budget. So make room in your budget now for a regular, monthly deposit to a Family Emergency StewardAccount®. The investment builds over time and earns a competitive rate.
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.