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Individual Investment Opportunities
Knowing that your dollars are helping to build churches and schools, as an LCEF investor, you can also have unique goals for your funds. To help meet those goals, LCEF provides a variety of investment products offering competitive interest rates and accessibility. To learn how to open an account, please select one of the investment options below.
LCEF also offers various investment options, learn more.
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A demand certificate with an initial minimal investment of $100 ($25 for a minor) and a variable interest rate.
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A demand certificate, with a variable interest rate, requires an initial investment of $25 and a monthly electronic investment of $25 or more until balance reaches $10,000.
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Use pre-tax and tax-deductible dollars to help pay for medical expenses.
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(Traditional, Roth, Coverdell Education Savings Accounts)
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This program is available through your congregation or Lutheran school. Ask your congregation or school if they participate in this program. If not, please ask them to consider participating and to contact LCEF at 1-800-843-5233 for more information.
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A demand certificate with an initial minimal investment of $100 ($25 for a minor) and a variable interest rate.
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Fixed: A note having available terms of 6, 9, 18 months and 1, 2, 3, 5, or 6-20 years, an initial minimum investment requirement of $500, and a fixed interest rate.
Floating: A note having a term of 30 or 60 months, an initial minimum investment requirement of $100 and a variable interest rate.
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There are many advantages to designating a beneficiary bequest—either an individual, a ministry, or both—for your LCEF account.
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With LCEF’s Electronic Funds Transfer (EFT), you can automatically make investments, redemptions, and loan payments.
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The Special Interest Fund allows investors to contribute all or part of their interest earned from their LCEF investment for a specific time period to a specific LCMS ministry such as a congregation, school, mission field, partner church, social ministry, or recognized service organization.
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