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. CLICK TO LEARN MORE 2.5% On balances up to $10,000 or Call 800-843-5233 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.
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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

2022 LCEF Annual Update

LCEF will hold an Annual Update ZOOM Meeting on November 12, 2022, at 10:00 am 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.

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.


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

“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