INVESTMENTS Business Term Notes LCEF Term Notes are all about your choices. If your business has a connection to the LCMS, you can find an account that works for you 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). HELPFUL DOCUMENTS GET STARTED

ConnectPLUS Term Note

If you want to experience the reward of supporting LCMS ministries and realize the financial benefits we offer, the ConnectPLUS Term Note is for your ministry. The offer is subject to change and is unavailable to investors in Ohio and Pennsylvania.

Benefits & Features

  • Low minimum $500 investment to open
  • Fixed rate on the first $50,000 (principal and interest) during the two-year term
  • Balance above $50,000 earns second-tier fixed rate
  • Additional funds can be added during the term ($25 minimum)
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 - $50,0002 years4.250%4.318%90 days of interest
Over $50,000---2.250%2.269%90 days of interest

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PartnerPLUS Term Note

Your organization can empower the positive influence of ministries and rostered church workers on their communities by investing in LCEF’s PartnerPLUS term note. This offer is available for a limited time only.

Benefits & Features

  • Low minimum $500 investment to open
  • Two- or four-year term available
  • Premium fixed rate on balances up to $50,000
  • Additional funds can be added at any time ($25 minimum)
  • Interest compounded and paid quarterly (March, June, September, December)
  • Transfers from other LCEF investments are not accepted.
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 - $50,0002 years4.000%4.060%90 days of interest
$500 - $50,0004 years3.750%3.803%180 days of interest
Over $50,0002 & 4 years2.250%2.269%Depends on term

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Fixed-Rate Term Note

This note carries a constant interest rate and requires a $500 minimum investment. A variety of terms are available, from 6 months to 5 years.

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.
** New money only.
$5006 mos.**4.500%4.577%90 days of interest
$5001 year4.000%4.060%90 days of interest
$5002 years3.750%3.803%90 days of interest
$5003 years2.250%2.269%120 days of interest
$5004 years2.500%2.524%180 days of interest
$5005 years2.750%2.778%180 days of interest

Jumbo Note – Fixed

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 years3.250%3.290%180 days of interest

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Floating-Rate Term Note

This note’s rate may be adjusted monthly based on prevailing market rates and requires a $100 minimum investment. 30- and 60-month terms are available. Investments of $25 or more are accepted throughout the term.

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.
$10030 months2.250%2.269%120 days of interest
$10060 months2.750%2.778%120 days of interest

Jumbo Note – Floating

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.
$100,00060 months3.250%3.290%180 days of interest

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Endowment Certificate

An Endowment Certificate allows your ministry to receive and hold gifts for specific causes. LCEF offers fixed- and floating-rate Endowment Certificates so your organization can set aside gifts for building projects, additional investment income and more. Investments of $1,000 or more are accepted throughout the term for the floating-rate Endowment Certificate.

The Endowment Certificate is only available to congregations and Recognized Service Organizations (RSOs).

Benefits & Features

  • Minimum $1,000 investment to open
  • 60 month term
  • Tiered interest rates that rise as your balance grows
  • Interest compounded and paid quarterly (March, June, September, December)

Fixed Rates

MinimumTermRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1,0005 years1.250%1.256%
$10,0005 years1.375%1.382%
$100,0005 years1.500%1.508%

Floating Rates

MinimumTermRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1,00060 months1.250%1.256%
$10,00060 months1.375%1.382%
$100,00060 months1.500%1.508%

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Investments

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