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.
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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 2021 LCEF Annual Update Lutheran Church Extension Fund’s Leadership Conference, including the Annual Meeting, has been canceled due to COVID-19.

Instead, LCEF will hold an Annual Update ZOOM Meeting on November 13, 2021, at 10:00 a.m. CST. During that time, you will receive updates on the financial and ministry status of LCEF, as well as strategies for growth in the future. More information on the Annual Update to follow.


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

“Placing my [investments] in LCEF has been a blessing to me … But knowing that they will go to bless other ministries of the LCMS like churches and schools is even more rewarding. I am glad, as investors we can continue to provide resources for our Synod.”

Rev. Dr. Willie Stallworth
LCEF Investor