An exclusive investment for LCMS rostered and lay church workers
like you.
Church Worker StewardAccount® Are you eligible? If you work for an LCMS church, school or organization in any capacity, the answer is probably yes. GET STARTED 1.5% On balances up to $10,000
Grace Place Wellness Ministries
Joins Lutheran Church Extension Fund
LCEF and Grace Place Wellness are pleased to announce the signing of a Letter of Intent for the LCEF acquisition of Grace Place Wellness Ministries assets and mission, effective January 1, 2022. Read More
WE ARE HERE FOR YOU Since 1978, our commitment to the church and her workers has remained steadfast and uncompromising--especially for a time such as this.

Whether it is providing online giving options for churches, remedies to help our borrowers or updates on PPP loans, LCEF is ready to help you in any way we can.
Learn More
INTEREST TIME Interest Time is LCEF’s official publication. It is a quarterly magazine that informs and educates our partners—investors, borrowers and ministry support clients—on how LCEF is supporting the Church in fulfilling its mission of sharing the Gospel. VISIT INTERESTTIME.ORG


A busy lifestyle doesn’t mean you can’t manage your daily finances with the Lord’s work in mind.

With our standard StewardAccount, you can write checks, use a debit card and conduct online transactions through MyAccount.

Your StewardAccount goes where you go.

Term Notes

LCEF term notes are all about your choices. For an account that works for you, start by choosing the duration of your investment. Next, choose from several fixed- or floating-interest rate options.

At the end of the term, the funds remain yours to re-invest or redeem. Interest is compounded and paid quarterly (March, June, September and December).

Residential Loans

LCEF is pleased to offer home purchase and refinance loans to ordained and commissioned LCMS Rostered Church Workers (RCWs) on active or emeritus status. Find out if you qualify as a RCW here.

Education Center

LCEF offers educational resources including webinars and other materials such as Six Financial Moves to Make in Your 30s.


Investing with LCEF means earning a great rate and equipping LCMS pastors, churches, schools and organizations to fulfill their call of sharing the Gospel of Jesus Christ.


We understand LCMS ministries like no other lender can and structure loans to fit you or your ministry perfectly.

Ministry Solutions

Discover how to joyfully live out your purpose, clarify your vision or expand your ministry.

Stories & Education

“My wife Gabrielle and I have been investors since the 80s. We realized this was about so much more than just putting money away for a rainy day. Your investment is being used to fund Lutheran churches and schools that proclaim Jesus Christ while rates are equal to or even better at times than other institutions. In other words, your money does twice the work rather than just sitting there. LCEF is a win-win.”

Allen Prochnow
Executive Vice President and Chief Operating Officer Concordia University Wisconsin