Y.I. StewardAccount®

* The State of Washington has adopted a regulatory position that currently prohibits residents of Washington State from opening a new investment unless they are already an LCEF investor.

With an investment of just $25 to open LCEF’s Y.I. StewardAccount, your young investor becomes a Y.I. Club member and gains access to fun activities that grow with three different age levels.

Benefits & Features

  • Minimum of $25 to open the account
  • Premium interest rates on balances up to $1,000
  • Savings that grow with your child, while remaining accessible
  • Checks and Visa® debit card available to custodian
  • Debit card available to your child at age 16
  • Interest compounded and paid monthly
  • Opportunity to make additional investments with checks or Y.I. Stamps

Y.I. StewardAccount Rates

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$25 to $10002.000%2.018%
Over $1,0000.625%0.627%

See all investment rates.


An experience that grows with your child

As members of LCEF’s Y.I. Club, young investors have unique experiences depending on their age levels.

Mission Builders

Children ages 7 to 12 join the Y.I. Club at the Mission Builders level, where their experience includes:

World Changers

Children ages 13 to 18 join the Y.I. Club at the World Changers level, where their experience includes:


Frequently Asked Questions

  • How do I report a lost or stolen Visa debit card?

    Call the UMB Card Center at 800-449-9176.

  • How can I add to an investment?

    Additional investments may be made electronically through MyAccount (LCEF’s online financial service), wire transfer, ACH or by sending a check with an Investment Slip (PDF).

  • How do I make a partial or full redemption from my LCEF investment?

    Redemptions can be made from investments at any time. Complete the redemption section of the Investment Slip (PDF) and mail or fax to us. Unless otherwise instructed, a check will be issued.

    StewardAccount® holders have the ability to write checks or may have access to their funds via the debit card.

    Term Notes: Redemption of a term note prior to the maturity date may be subject to an early withdrawal penalty, which could result in the loss of principal.

  • How do I make a change to my automatic investment?

    To update your bank information or change the transfer amount, complete the Investment ACH Authorization Form (PDF) and return to us at least 5 business days before the next scheduled transaction date.

    To stop your transfer, write or call us at 800-843-5233. Requests must be received at least 5 business days before the next scheduled transaction date.

  • How do I stop payment on an ACH debit to my LCEF investment?

    Complete the ACH Stop Payment Form (PDF) and return it to us. The form must be received before the ACH debit has posted to your LCEF investment. This form may be used for a one-time or permanent stop payment of an ACH debit.

  • How do I change the ownership of my investment?

    Contact us at 800-843-5233 to discuss your request and obtain the necessary forms to complete the modification.

  • What is MyAccount?

    MyAccount is a secure online service allowing investors and borrowers quick access to their LCEF investment and loan information. Besides viewing balances, account history and accessing eStatements, users may:

    • Make internal and external transfers
    • Reorder checks
    • View check images
    • Make one-time and recurring payments through the Bill Payment option. (Personal users only; must have a StewardAccount)
    • Inform us of address changes (personal users only)
    • Contact us via secure email

    IRA and HSA investments limited to inquiry only access in MyAccount.

  • What is Simply Statements?

    Simply Statements allows personal users to view their LCEF investment and loan statements securely online for up to six months at no cost. Statements arrive much sooner than mailed statements. A copy of an older statement can be requested by contacting us at 800-843-5233.

    Residential mortgage loans serviced by LoanCare are not included in this service.