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MyAccount

9
  • Who qualifies as an officer for the purpose of completing LCEF documents?
  • Is there a limit to how many payments can be made through Bill Payment?
  • How do I enroll in Bill Payment?
  • Who is eligible to use Bill Payment?
  • What are the acceptable browsers to access MyAccount?
  • Why aren’t all of my accounts listed?
  • I’m having trouble logging on to MyAccount. Why?
  • Why won’t my username and password work?
  • What is MyAccount?

Family Emergency StewardAccount

4
  • How do I stop payment on an ACH debit to my LCEF investment?
  • How do I make a change to my automatic investment?
  • How do I make a partial or full redemption from my LCEF investment?
  • How can I add to an investment?

Investments

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  • How do I get more information regarding the beneficiary designation on my investment?
  • How do I change the ownership of my investment?

StewardAccount

3
  • How do I make a partial or full redemption from my LCEF investment?
  • How can I add to an investment?
  • How do I report a lost or stolen Visa debit card?

Online Account Creation

6
  • How do I set up an automatic deposit to my account?
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Family Emergency StewardAccount

  • How do I stop payment on an ACH debit to my LCEF investment?
  • How do I make a change to my automatic investment?
  • How do I make a partial or full redemption from my LCEF investment?
  • How can I add to an investment?
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. 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. Lutheran Church Extension Fund-Missouri Synod. 10733 Sunset Office Drive, Suite 300, St. Louis, MO 63127-1020. 800-843-5233. lcef.org. NMLS# 3444. LCEF Mortgage Loan Originators: Pamela Macinski (NMLS# 16679). Michelle Porter (NMLS# 1675886). Tricia Galczynski (NMLS# 1896183). Tara Appleton (NMLS# 738203). Illinois Residential Mortgage Licensee (MB.0006057). Loans made or arranged pursuant to a California Law License (6037619). Nebraska Mortgage Banker License (540). Texas Complaint/Recovery Fund Notice – Figure: 7 TAC§80.200(b): “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.  THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV”. For more information on LCEF’s lending license go to lcef.org/state-disclosures/.

Contact Us | Privacy Statement | Careers

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)
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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)
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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)
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Retirement Account Helpful Documents

  • Fee Schedule (PDF)
  • Terms and Conditions (PDF)
  • Conversions Brochure (PDF)
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Health Savings Account Helpful Documents

  • Fee Schedule (PDF)
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Ministry StewardAccount 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)
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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

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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

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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

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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

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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

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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
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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

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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)
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Home Equity Loans Helpful Documents

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

    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 will be closed on Tuesday, July 4th in recognition of Independence Day.
    ×

    Helpful Documents

    • Individual Application (PDF)
    ×

    Helpful Documents

    • Organization Application (PDF)
    ×

    6 and 18-Month Term Notes

    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

    ×

    6 and 18-Month Term Notes

    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 and 18-Month Term Notes

    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

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    ×

    Rev. Dr. Gregory S. Walton
    VP Ministry Solutions, Vice President, Grace Place Wellness

    Greg joined LCEF’s Grace Place Wellness in Fall of 2022. He now oversees all aspects of Grace Place Wellness Ministries, which is a part of Ministry Solutions at LCEF. Having served for 13 years as the district president of the Florida-Georgia District, he has a commitment to assisting church workers in the LCMS excel in their callings throughout their entire careers. In his role, he will work to integrate wellness into other areas of LCEF to identify, coordinate and share resources that positively impact the lives of professional church workers and ministries in the LCMS.

    Walton has spent most of his life on the East Coast, having grown up in the Mid-Hudson Valley of New York. He attended Concordia College, which was in Bronxville, NY, where he met his wife, Edith. He graduated with his Master of Divinity from Concordia Seminary, St. Louis, in 1987 and served 22 years as a parish pastor in Toccoa, Georgia, and Marietta, Georgia, before being elected to the office of District President for the Florida-Georgia District. In his parish years Greg was deeply involved in community ventures, served as a circuit visitor and then a district vice president.

    An ardent supporter of church worker wellness and Grace Place Wellness and as district president he sponsored a number of retreats in the FLGA district, assisting and encouraging workers in their personal wellbeing. Supporting and advocating for church workers and their family has long been a passion for Greg.

    As his term-limited time as district president came to an end in August 2022, Walton joined LCEF and Grace Place Wellness to replace retiring director, Darrell Zimmerman, who was instrumental in developing wellness retreats for couples, ministry staffs and congregations. Greg will pick up the mantle, try to fit into the large shoes vacated by Darrell and explore new areas of ministry for Grace Place Wellness as we look to the future.

    Greg and Edith live in Woodstock, Georgia, a suburb of Atlanta, and are in close proximity to their two children and six grandchildren. He is excited to serve the church in this new role.

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    Dr. John Eckrich, MD
    Founder and Executive Vice Chair

    Dr. Eckrich founded Grace Place Wellness Ministries in 1999. He’s also the author of several books on wellness, ministry and Christian living.

    Born and raised in St. Louis, Missouri, John attended Lutheran schools as a child, graduating from Lutheran High School South. He graduated from Washington University in St. Louis and the University of Missouri School of Medicine in Columbia, Missouri. He finished his medical training at the University of Chicago as a fellow in gastroenterology and hepatology.

    Dr. John served the St. Louis community for over 40 years as a practicing internist and gastroenterologist. He had the unique opportunity to care for hundreds of Lutheran church workers and their families, including seminary professors, students and many leaders at the LCMS International Center.

    During his early career, John observed the effects of stress and challenges of ministry on personal and family life. He gathered other professionals to examine and develop health skills and strategies to proactively address the rising tide of church worker burnout and ill-health.

    Their findings led John to found Grace Place Wellness Ministries, now having served over 10,000 church workers and families through Grace Place Wellness retreats.

    His books include:

    1. Vocation and Wellness: Renew Your Energy for Christian Living
    2. Family Wellness: Raising Resilient, Christ-Purposed Children
    3. Fear, Anxiety and Wellness: Journey to a Heart at Peace
    4. Resilient Aging and Wellness: Mindful Stewardship of Body, Mind and Spirit into the Next Season of Living

    John lives in the St. Louis area with his wife, Kathy. They have three grown children and two grandchildren. Dr. John spends as much time with his grandkids as possible.

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    Dr. Darrell Zimmerman, DMin
    Retired Executive Director

    Darrell oversaw all aspects of Grace Place Wellness Ministries from the fall of 2012 until June 2023. His passion remains helping ministry workers across the entire spectrum of Christianity excel in their callings for their whole careers.

    A native of Portland, Oregon, Darrell graduated with his Master of Divinity from Concordia Seminary, St. Louis, in 1982. He served 30 years as a parish pastor in St. Louis, Missouri, and Saginaw, Michigan. He is a trained intentional interim minister in the LCMS.

    He and his wife, Carol, attended the first Grace Place Wellness retreat in the fall of 2000, then began leading retreats in Grace Place Wellness’ earlier years. He also earned his Doctor of Ministry in 2006. He was instrumental in developing the Ministry Team Wellness Retreat. In December 2019, he became interim president and CEO and served until the acquisition by LCEF, when he took on the role of vice president of Ministry Solutions, director of Grace Place Wellness. After almost 11 wonderful years leading Grace Place Wellness, Darrell retired in June 2023.

    Darrell and Carol live just a few short miles from their three children and four grandchildren in the St. Louis area. In retirement, he looks forward to spending time with them, woodworking and playing lots of golf. We are grateful for his contribution to Grace Place Wellness.

    ×

    Rev. Tim Fangmeier

    Coaching professional church workers in creating their sabbatical experience is one of the most rewarding things I do. My coaching training was through Valwood Certified Coaches (2002- 2008). George Bullard, Jane Creswell, and Linda Miller, along with other coaches, conducted this training. In addition to coaching pastors in planning sabbaticals, I also coach church workers who are in transition or conflict situations.

    My journey in ministry is an interesting one. In college, I studied Advertising and Sales Management at Bowling Green State University, Bowling Green, Ohio, and received a Bachelor of Science in Business Administration. During my summers in college, I sold Electrolux vacuum cleaners door to door, which was also an educational experience.

    The influence of my campus pastor led me to consider seminary training and I graduated from Concordia Theological Seminary in Springfield, Ill., in 1971. My first call was to begin a mission congregation in Fort Myers, Fla. I pastored there until 1979 and assisted in two building campaigns and self-support status for the congregation.

    From 1979 to 1985, I served as senior pastor at Trinity Lutheran Church and School in Delray Beach, Fla., and from 1986 to 1993, I was senior pastor at Ascension Lutheran Church and School in Charlotte, N.C.

    In 1993, I joined the staff of the Southeastern District of the Lutheran Church – Missouri Synod as a Mission and Ministry Facilitator deployed to work with congregations in North and South Carolina. I helped direct mission partnerships and served as a conflict consultant to the District President.

    Since 2002, I have continued ministry as a consultant to congregations and pastors. I participate in conflict intervention, peacemaking and coaching professional church workers in times of change and conflict. As a Staff Associate for Wheat Ridge Ministries (now We Raise Foundation), I managed its Sabbatical Resource Center, which became this website in 2018.

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    2½ Year 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

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    2½ Year 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 ministries

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    2½ Year 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.

     
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    We thank you for your patience as we’re experiencing unprecedented call volumes and investment processing delays. Learn more about our new term note here.

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