1.5% on balances up to $10,000 Church Worker StewardAccount® You are a church worker. You have a mission—a call. God steered you toward a lifetime of service and sharing the message of living hope in Christ.

Of course, that doesn't mean you are immune from the stresses of this world. For many church workers, money challenges can distract—and even derail—you from that service.

LCEF wants to help you focus on your mission by making it easy and worthwhile to put a little money away each month. Believe it or not, this simple act can provide a certain amount of relief, so you can continue faithfully serving our Lord.

If that sounds like you, LCEF's Church Worker StewardAccount is for you. It's an investment exclusively for LCMS rostered and lay church workers.
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Why Invest with LCEF?

Investing with LCEF means you not only earn a competitive interest rate—but you also make funds available for LCMS ministries and other church workers. This way, your investment, which earns interest, works twice for you.

Rev. Craig Michaelson PASTOR

“Since our first campus was built, Lutheran Church Extension Fund has been our partner in growth … To be honest, without LCEF we would not have been able to do what we have done in ministry.”

You are also partnering with a financial institution that shares your Lutheran beliefs and champions your work. We are here for you.

Benefits & Features

1.5% | On balances up to $10,000

  • $100 minimum to open (new money only).
  • Interest compounded and paid monthly.
  • Minimum monthly electronic investment of $25 recommended.
  • Unlimited checks.
  • 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.
  • Funds over $10,000 will adjust to the Family Emergency StewardAccount rate.
  • Free MyAccount online services, including bill pay and e-statements.

Are You Eligible?

If you work for an LCMS church, school or organization in any capacity – the answer is yes. This includes:

  • Rostered church workers.
  • Lay church workers.
  • Full or part-time.
  • Retired.

Questions? Please call 800-843-5233.

Join 60,000+ 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 60,000 investors and connect with Lutherans who share your love for Christ and His church.

Brandon Metcalf Investor

“You have to put your money somewhere, and so I figured I might as well invest in the Kingdom while I’m at it. And I actually got a much better return on investment … Absolutely a win-win scenario that I would highly recommend to anyone as they look at where to invest that which God has given to them.”

Anna VanVleet Investor

“The interest rates are competitive, and we like being able to support an organization that we know is supporting other church workers. We also know we’re not going to get scammed into something which can be the fear in other places.”

Eight Reasons This Is an Ideal Investment

The Church Worker StewardAccount is a perfect opportunity to invest with LCEF if you want to:

  • Beef up your retirement.
  • Start a habit of investing.
  • Set aside money to explore new opportunities or passions.
  • Prepare for big life events like a wedding.
  • Budget for the unexpected.
  • Establish a three-to-six month living expense fund.
  • Set aside cash for major purchases (car, travel).

But the most important reason is this: Your investment with LCEF allows us to provide funds and solutions to help start, support and sustain LCMS church workers and ministries—today, tomorrow and far into the future.