Financial Solutions
Together in Faith
Lutheran Church Extension Fund offers faith-driven financial solutions designed to empower you. Whether you’re a Lutheran Church—Missouri Synod member, church, school or organization, your partnership with LCEF strengthens ministries, advances mission-driven projects and helps share God’s love with future generations. Together, we can empower ministries to share His Word.
Up to
3.750
%
APR
Up to
4.25
%
APR
3.00
%
APR
3.00
%
APR
Who Is LCEF?
Since 1978, LCEF has partnered with LCMS members and ministries to fund projects that support the work of God’s kingdom. By investing with LCEF, you not only work toward your financial goals but also provide vital resources that empower ministries to thrive. Explore this chart to see how your investment makes an eternal impact.
Build Value That Aligns with Your Values
Now is the time to make the most of the blessings God has entrusted to you. With LCEF, you gain a trusted partner who shares your Lutheran values—helping you achieve financial growth while making a meaningful difference in the LCMS community.
With your investment, we support LCMS ministries like Camp Linn Haven in Linville, N.C. The camp is in the midst of recovery after Hurricane Helene flooded several buildings and damaged the entrance to the facility. Learn more by viewing this video.
Solutions Tailored for You
Why Lutherans Choose LCEF
Rev. Dr. Daniel Prugh and Principal Kelly Reilly
Holy Trinity Lutheran Church, Tampa, Fla.
"It was a joy to work with LCEF on our campus expansion project. The support that LCEF provided was instrumental in the execution of a clear and successful campaign."
Rev. Brandon Metcalf
Zion Lutheran Church, Bethalto, Ill.
“Their customer service is always so helpful, and I know they use all investments to better support ministries throughout the country!”
Rev. Michael Schmidt
Peace Lutheran Church, Natoma, Kan.
“Money invested goes beyond traditional means and goes to help churches and schools that share our core beliefs.”
Sarah Grack-Moritz
School Technology & Innovation, Orange, Calif.
“I am an LCEF investor because we believe in what LCEF does. LCEF helps schools and churches … get loans that they would never have been able to get so that we can promote the spreading of the Gospel and support the community around us.”
Thanks to Investors Like You
Because of faithful Lutherans like you, LCEF is sustaining, supporting and strengthening LCMS ministries sharing God’s love. Together in faith, we are turning financial resources into Kingdom impact—building churches, supporting church workers, expanding schools and uplifting communities for generations to come.
in total assets
in loans aimed at growing ministries
in RCW mortgages
gifted to the Synod and LCEF Districts from FY20 to FY24
* Numbers as of 3/31/2025
Helpful Resources
Investment Calculators
Annual Report and
Offering Circular
Interest Time
Stay inspired with Interest Time, LCEF’s magazine sharing stories of ministry impact.
Not Sure Where to Start?
Get your free guide.
We understand—investing can feel overwhelming. You want to know who’s managing your funds, how they’re being used and whether their values align with yours. That’s why we created A Guide to Christian Investing—a resource designed to help you explore seven key factors every Lutheran should consider when making investment decisions.
Take the first step toward aligning your financial goals with your faith.