LCEF

Interest Rates

Our goal is to provide consistently competitive interest rates, which are set monthly, based on regional and national rates published by the Bank Rate Monitor™.

Personal Investments
Minimum Term Rate APY
Dedicated Certificate
(not available in South Carolina) $25.00 (minor account only) --- 0.125% 0.125%
  $100.00 --- 0.125% 0.125%
  $1,000.00 --- 0.250% 0.250%
  $5,000.00 --- 0.375% 0.376%
IRA Dedicated Certificate
(not available in South Carolina) $100.00 --- 0.375% 0.376%
  $1,000.00 --- 0.500% 0.501%
  $5,000.00 --- 0.625% 0.626%
  $10,000.00 --- 0.875% 0.878%
Y.I. StewardAccount
(not available in South Carolina) $25.00 to $1,000.00 --- 3.500% 3.557%
  Over $1,000.00
Portion of balance > $1,000.00 earns second tier rate.
--- 1.000% 1.005%
StewardAccount
(not available in South Carolina) $100.00 --- 0.375% 0.376%
  $1,000.00 --- 0.500% 0.501%
  $5,000.00 --- 0.625% 0.627%
  $10,000.00 --- 0.875% 0.879%
Family Emergency StewardAccount
(Not available in South Carolina. This investment is known as the Family StewardAccount in the State of Ohio.) $25.00 --- 1.000% 1.005%
ConnectPLUS Term Note - Fixed
(not available in Ohio and Pennsylvania) $500.00 to $5,000.00 2 years 3.000% 3.034%
  Over $5,000.00
Portion of balance > $5,000.00 earns second-tier rate.
--- 1.000% 1.004%
PartnerPLUS Term Note - Fixed
$500.00 to $25,000.00 2 years 2.000% 2.015%
$500.00 to $25,000.00 4 years 2.500% 2.524%
  Over $25,000.00
Portion of balance > $25,000.00 earns second-tier fixed rate.
--- 1.000% 1.005%
Term Notes and IRA Term Notes - Fixed
  $500.00 6 months 0.500% 0.501%
  $500.00 9 months 0.625% 0.626%
  $500.00 1 year 0.750% 0.752%
  $500.00 18 months 0.875% 0.878%
  $500.00 2 years 1.000% 1.004%
  $500.00 3 years 1.125% 1.130%
  $500.00 4 years 1.250% 1.256%
  $500.00 5 years 1.500% 1.508%
Term Notes and IRA Term Notes - Floating
  $100.00 30 months 1.000% 1.004%
  $100.00 60 months 1.250% 1.256%
IRA Jumbo Note - Fixed
  $100,000.00 5 years 1.875% 1.888%
IRA Jumbo Note - Floating
  $100,000.00 60 months 1.625% 1.635%
HSA FlexPlus Certificate
(not available in South Carolina) $1.00 --- 0.625% 0.627%
  $2,500.00 --- 1.125% 1.131%
  $5,000.00 --- 1.500% 1.510%
  $15,000.00 --- 2.125% 2.146%
 
Ministry Investments May 2016 Rates
Minimum Term Rate APY
Demand Certificate
(not available in South Carolina) $100.00 --- 0.375% 0.376%
StewardAccount
(not available in South Carolina) $100.00 --- 0.625% 0.627%
  $250,000.00 --- 0.750% 0.753%
  $500,000.00 --- 0.875% 0.879%
  $1,000,000.00 --- 1.000% 1.005%
Cemetery Care StewardAccount
(not available in South Carolina) $1,000.00 --- 0.375% 0.376%
  $25,000.00 --- 0.500% 0.501%
  $50,000.00 --- 0.625% 0.627%
  $100,000.00 --- 0.875% 0.879%
PartnerPLUS Term Note - Fixed
$500.00 to $25,000.00 2 years 2.000% 2.015%
$500.00 to $25,000.00 4 years 2.500% 2.524%
  Over $25,000.00
Portion of balance > $25,000.00 earns second-tier fixed rate.
--- 1.000% 1.005%
Term Notes - Fixed
  $500.00 6 months 0.500% 0.501%
  $500.00 9 months 0.625% 0.626%
  $500.00 1 year 0.750% 0.752%
  $500.00 18 months 0.875% 0.878%
  $500.00 2 years 1.000% 1.004%
  $500.00 3 years 1.125% 1.130%
  $500.00 4 years 1.250% 1.256%
  $500.00 5 years 1.500% 1.508%
Term Notes - Floating
  $100.00 30 months 1.000% 1.004%
  $100.00 60 months 1.250% 1.256%
5-Year Endowment Fixed
  $1,000.00 5 Years 1.225% 1.231%
  $10,000.00 5 Years 1.350% 1.357%
  $100,000.00 5 Years 1.475% 1.483%
60-Month Endowment - Floating
  $1,000.00 60 Months 1.225% 1.231%
  $10,000.00 60 Months 1.350% 1.357%
  $100,000.00 60 Months 1.475% 1.483%
 
Business Investments May 2016 Rates
Minimum Term Rate APY
Dedicated Certificate
(not available in South Carolina) $100.00 --- 0.125% 0.125%
  $1,000.00 --- 0.250% 0.250%
  $5,000.00 --- 0.375% 0.376%
StewardAccount
(not available in South Carolina) $100.00 --- 0.375% 0.376%
  $1,000.00 --- 0.500% 0.501%
  $5,000.00 --- 0.625% 0.627%
  $10,000.00 --- 0.875% 0.879%
PartnerPLUS Term Note - Fixed
$500.00 to $25,000.00 2 years 2.000% 2.015%
$500.00 to $25,000.00 4 years 2.500% 2.524%
  Over $25,000.00
Portion of balance > $25,000.00 earns second-tier fixed rate.
--- 1.000% 1.005%
Term Notes - Fixed
  $500.00 6 months 0.500% 0.501%
  $500.00 9 months 0.625% 0.626%
  $500.00 1 year 0.750% 0.752%
  $500.00 18 months 0.875% 0.878%
  $500.00 2 years 1.000% 1.004%
  $500.00 3 years 1.125% 1.130%
  $500.00 4 years 1.250% 1.256%
  $500.00 5 years 1.500% 1.508%
Term Notes - Floating
  $100.00 30 months 1.000% 1.004%
  $100.00 60 months 1.250% 1.256%
 
For more information or to obtain an LCEF Offering Circular, call 800-843-5233. You also may request an Offering Circular online. Your request will be processed by the next business day.
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
** Electronic investments required on at least a monthly basis until the balance reaches $10,000.00.