ConnectPLUS*

For new LCEF investors (LCMS individuals, congregations and organizations).

  • $500 minimum to invest.
  • Second-tier rate applies to portion of balances over $50,000.
  • $25 minimum for additional deposits.

ConnectPLUS Rates

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$500 to $50,0002 years3.000%3.034%90 days of interest
Over $50,000---2.125%2.142%90 days of interest

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PartnerPLUS**

For LCMS individuals, congregations, organizations and Individual Retirement Accounts (IRAs).

  • New money only.
  • $500 minimum to invest.
  • Open multiple accounts.

PartnerPLUS Rates

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$500 to $50,0002 years2.500%2.524%90 days of interest
$500 to $50,0004 years3.000%3.034%180 days of interest
Over $50,0002 & 4 years2.125%2.142%Depends on term

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Jumbo Term Note

For LCMS individuals, congregations, organizations and IRAs.

  • $100,000 minimum to invest.
  • Open multiple accounts.
  • No maximum.
  • New or existing dollars.

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$100,0005 years3.000%3.034%180 days of interest

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Gold Tier StewardAccount

For LCMS individuals, congregations and organizations.

  • New money only.
  • $50,000 minimum to invest.
  • $25 minimum for additional deposits.
  • Visa debt card (optional).
  • Unlimited number of checks per month ($250 minimum per check).

Gold Tier StewardAccount Rates

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance. Rates are fixed for 180 days (based on open date). Interest rate drops to 1.375% for balances under $50,000.
$50,0002.125%2.146%
$100,0002.250%2.273%
$250,0002.375%2.401%
$500,0002.500%2.529%

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The State of Washington has adopted a regulatory position that currently prohibits residents of Washington State from opening a new investment unless they are already an LCEF investor and 18 years or older.
* ConnectPLUS is not available to investors in Ohio and Pennsylvania.
**PartnerPLUS is available to investors 18 and older. New money only.
Neither LCEF nor its representatives give legal, accounting or tax advice. Consult your tax advisor as to the applicability of this information to your own situation. UMB Bank n.a. serves as the custodian for the LCEF IRA program.