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LCEF All Access StewardAccount®

Imagine investing in a way that benefits The Lutheran Church—Missouri Synod (LCMS), earns a competitive interest rate and gives you the access you need to your funds.

That’s what the All Access StewardAccount—an investment from Lutheran Church Extension Fund (LCEF) for LCMS individuals—is about.

The interest rates for this investment are up to 6x the national average. *

$100 1.25%
$10,000 1.75%
$50,000 2.00%
$100,000 2.25%
$500,000 4.00%
* The national average rate is 0.47% per Bankrate.com, pulled on May 31, 2024.

LCEF’s All Access StewardAccount® is an easy-access investment that builds over time with interest earned. With your All Access StewardAccount, you’ll maintain full control over your balances and enjoy convenient online access.



  • Visa® debit card (optional)
  • Secure access to Visa Checkout, Apple Pay, Samsung Pay and other quick, secure payment solutions.
  • No monthly maintenance or membership fees.
  • Free MyAccount online services, including bill pay and e-statements.
  • Easy access to your money with LCEF’s mobile app that allows deposits, transfers and bill pay.
  • Interest is accrued daily and paid monthly.

Join Lutheran Investors Just Like You

Since 1978, we have had the honor of supporting LCMS church workers and ministries like yours with low-cost loans and ministry solutions. This would not be possible without investors.

We invite you to join our community of faithful investors and connect with Lutherans who share your love for Christ and His church.

Trey DilleInvestor

“They are people who truly care about individuals and the church and the mission Christ sets forth for us. They use your investments to support the church—enabling the church to help others while they also help you.”

Concordia Seminary, St. Louis, MO

Rev. Brad Cusson Investor

“It was really cool to be a part of the bigger process because now, in a sense, we’re joining the ministry not only where we are but everywhere LCEF is too. LCEF has been with us through the whole journey. They caught the vision of the ministry … and partnered with us.”

Sr. Pastor
St. Matthew Lutheran Church, Rocklin, Calif.

Joseph Hope Hull Investor

“I am a brand new LCEF investor, and I look forward to managing my own finances, managing the gifts God has given me in that way to better prepare for my future, as well as having the peace of mind and the comfort that these gifts are being able to help others, other congregations, other schools, just like my own.”

Director of Christian Education
St. Paul’s Lutheran Church in Glen, Burnie, Md.

Hiram and Karen Grimm Investors

“We keep all of our savings there. They are easy to contact, and they are very friendly, giving a good return, but the best part of the whole thing is sharing those funds with other churches and schools.”

Trinity Lutheran Church, Carver, Minn.

LCEF All Access StewardAccount®