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Contact LCEF

10733 Sunset Office Drive, Suite 300
St. Louis, MO 63127-1020

Phone: 800-843-5233

Fax: 314-996-1131

Our Ministry Partners

Lutheran Church—Missouri Synod
Concordia Historical Institute
Concordia Publishing House
Concordia Plan Services
LCMS Foundation
Lutheran Federal Credit Union

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LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. LCEF will offer and sell its securities only in states where authorized. The offer is made solely by LCEF’s Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks. Lutheran Church Extension Fund—Missouri Synod is registered and licensed through the Nationwide Mortgage Licensing System-NMLS#3444. View Our Public Page. Illinois Residential Mortgage Licensee (MB.0006057). Loans made or arranged pursuant to a California Law License 6037619. Nebraska Mortgage Banker License (540). For more information on LCEF’s lending license go to lcef.org/state-disclosures. 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/HSA programs. ConnectPLUS is available on a one account per investor basis only to new investors 18 and older who have not had an LCEF investment in the past 24 months. ConnectPLUS is not available to investors in Ohio and Pennsylvania. PartnerPLUS is available to investors 18 and older. New money only. StewardAccount^® products are not available to investors in South Carolina. StewardAccount access features are offered through UMB Bank n.a. The Family Emergency StewardAccount is known as the Family StewardAccount in the State of Ohio. Demand/Dedicated Certificate is not available to investors in South Carolina.

Helpful Documents

Individual Investment Application (PDF)
Church Worker StewardAccount Application (PDF)
Beneficiary Designation Form (PDF)
Trust Certification Form (PDF)
Fee Schedule (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
ACH Stop Payment Form (PDF)
Terms and Conditions (PDF)

Term Notes Helpful Documents

Individual Investment Application (PDF)
Y.I. Club Application (PDF)
Beneficiary Designation Form (PDF)
Trust Certification Form (PDF)
Fee Schedule (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
Terms and Conditions (PDF)

YI Club Helpful Documents

Y.I. Club Application (PDF)
Extra Credit for Good Grades Form (PDF)
Extra Credit for Community Service Form (PDF)
Fee Schedule (PDF)
Terms and Conditions (PDF)

Retirement Account Helpful Documents

Fee Schedule (PDF)
Terms and Conditions (PDF)
Conversions Brochure (PDF)

Health Savings Account Helpful Documents

Fee Schedule (PDF)

Ministry StewardAccount Helpful Documents

Organization Investment Application (PDF)
Fee Schedule (PDF)
Investment Signature Authorization Form (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
ACH Stop Payment Form (PDF)
MyAccount Organization Application (PDF)
Terms and Conditions (PDF)

Business StewardAccount Helpful Documents

Business Investment Application (PDF)
Corporate Resolution (PDF)
Partnership Authorization (PDF)
Fee Schedule (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
ACH Stop Payment Form (PDF)
Investment Signature Authorization Form (PDF)
MyAccount Organization Application (PDF)
Terms and Conditions (PDF)

Individual Investment Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Church Worker StewardAccount Investment Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Young Investors (Y.I) Club Application (age 0-18) (PDF)

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Gold Tier Individual Investment Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Ministry Investment Application (PDF)

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Gold Tier Ministry Investment Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Business Investment Application (PDF)

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Gold Tier Business Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Residential Loans Helpful Documents

Your Home Loan Toolkit (PDF)
Consumer Handbook on Adjustable-Rate Mortgages (PDF)
Cost of Funds (PDF)
One Year Constant Maturity Index (PDF)
RCW Mortgage Information (PDF)

Home Equity Loans Helpful Documents

Your Home Loan Toolkit (PDF)
Automatic Loan Payment Authorization (PDF)

Congregation Loans Helpful Documents

Helping Hands in the Lending Process (PDF)

LCMS Congregation Loans Information Source (PDF)

Electronic Funds Transfer Agreement and Disclosure (PDF)

Automatic Loan Payment Authorization (PDF)

Payoff Request Form (PDF)

Additional Principal Payment Form (PDF)

Cost of Funds (PDF)

School Association Loans Helpful Documents

Electronic Funds Transfer Agreement and Disclosure (PDF)
Automatic Loan Payment Authorization (PDF)
MyAccount Organization Application (PDF)
Payoff Request Form (PDF)
Additional Principal Payment Form (PDF)
Cost of Funds (PDF)

Organization/RSO Loans Helpful Documents

Electronic Funds Transfer Agreement and Disclosure (PDF)
Automatic Loan Payment Authorization (PDF)
MyAccount Organization Application (PDF)
Payoff Request Form (PDF)
Additional Principal Payment Form (PDF)
Cost of Funds (PDF)

Church Improvement Program Helpful Documents

Church Improvement Brochure

Enrollment Materials

Instruction Letter
LCEF Organizational Application
Vanco Enrollment Form (PDF)

StewardAccount Helpful Documents

Individual Investment Application (PDF)
Beneficiary Designation Form (PDF)
Trust Certification Form (PDF)
Fee Schedule (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
ACH Stop Payment Form (PDF)
Terms and Conditions (PDF)

Lutheran Church Extension Fund is closed in recognition of Memorial Day. We will re-open Tuesday, May 30.

6-Month Term Note

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application for individuals

6-Month Term Note

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application for organizations