At LCEF, Lutheran investments support and strengthen Lutheran Church—Missouri Synod (LCMS) workers, churches, schools and organizations. LCMS ministries use our low-cost loans to expand, renovate and launch new ventures. Think of it as Lutherans Helping Lutherans.

Ready to do more with your investments? Open a one-year term note at 4% and join thousands of like-minded Lutherans. This limited time offer is available for LCMS individuals, congregations, schools and organizations.
YOUR INVESTMENT CAN DO MORE
THAN JUST EARN INTEREST
LEARN MORE

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.

We are excited to share that Lutheran Church Extension Fund (LCEF) has a Mobile App which includes a remote deposit feature.

As an LCEF investor, you must have MyAccount in order to download and use the app now!

The LCEF Mobile App:

  • Is free.
  • Can be downloaded to your smartphone or tablet.
  • Allows transfers, deposits and bill pay.

We are excited to offer our customers this technology that enhances their experience with LCEF as we continue to serve Lutheran Church—Missouri Synod ministries.

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).

Education Center

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

Investments

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.

Loans

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

“I have a heart for Lutheran education and financial planning. With those two gifts God has given me, I’m able to educate and share financial information with our teachers and staff like the wonderful Church Worker StewardAccount. The interest rate is one of the best in the market and by investing with LCEF, we are able to support Lutheran churches and schools! Both of which have been a part of my life for 40 plus years. And now my daughter is receiving the blessing of Lutheran education too!”

Nikki Cummings, Memphis Tennessee

Part-Time Business Administrator at Immanuel Lutheran Church and School