The rates below are current for the month of July 2022.

StewardAccount®

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.375%0.376%
$1,0000.500%0.501%
$5,0000.625%0.627%
$10,0000.750%0.753%

Y.I. StewardAccount®

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$25 to $10002.000%2.018%
Over $1,0000.750%0.753%

Family Emergency StewardAccount®

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$250.750%0.753%

HSA Certificate

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$10.375%0.376%
$2,5000.500%0.501%
$5,0000.625%0.627%
$15,0000.750%0.753%

ConnectPlus Term Note

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 years2.500%2.524%90 days of interest
Over $50,000---1.750%1.762%90 days of interest

PartnerPlus Term Note

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 years2.000%2.015%90 days of interest
$500 - $50,0004 years2.500%2.524%180 days of interest
Over $50,0002 & 4 years1.750%1.762%Depends on term

Fixed-Rate Term Note

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.
$5001 year1.000%1.004%90 days of interest
$5002 years1.500%1.508%90 days of interest
$5003 years1.750%1.762%120 days of interest
$5004 years2.000%2.015%180 days of interest
$5005 years2.250%2.269%180 days of interest

Fixed-Rate Jumbo Note

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 years2.500%2.524%180 days of interest

Floating Rate Term Note

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 months1.750%1.762%120 days of interest
$10060 months2.250%2.269%180 days of interest

IRA Floating Jumbo Note

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 months2.500%2.524%180 days of interest

LCMS churches, schools, colleges and RSOs can open ministry investments with Lutheran Church Extension Fund.

Demand Certificate

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.250%0.250%

StewardAccount

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.375%0.376%
$250,0000.500%0.501%
$500,0000.625%0.627%
$1,000,0000.750%0.753%

PartnerPLUS Term 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.
$500 to $50,0002 years2.000%2.015%90 days of interest
$500 to $50,0004 years2.500%2.524%180 days of interest
Over $50,000 - portion of balance > $50,000 earns second-tier fixed rate2 & 4 Years1.750%1.762%Depends on term

Term Notes – 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.
$5001 year1.000%1.004%90 days of interest
$5002 years1.500%1.508%90 days of interest
$5003 years1.750%1.762%120 days of interest
$5004 years2.000%2.015%180 days of interest
$5005 years2.250%2.269%180 days of interest

Term Notes – 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.
$10030 months1.750%1.762%120 days of interest
$10060 months2.250%2.269%120 days of interest

When two-thirds (2/3) or more of the voting and outstanding shares of a business are owned by people who are members of, contributors to, or participants in the LCMS.

Dedicated Certificate

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.125%0.125%
$1,000 0.125%0.125%
$5,000 0.250%0.250%

StewardAccount

MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.375%0.376%
$1,0000.500%0.501%
$5,0000.625%0.627%
$10,0000.750%0.753%

PartnerPLUS Term 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.
$500 - $50,0002 years2.000%2.015%90 days of interest
$500 - $50,0004 years2.500%2.524%180 days of interest
Over $50,0002 & 4 years1.750%1.762%Depends on term

Term Notes – 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.
$5001 year1.000%1.004%90 days of interest
$5002 years1.500%1.508%90 days of interest
$5003 years1.750%1.762%120 days of interest
$5004 years2.000%2.015%180 days of interest
$5005 years2.250%2.269%180 days of interest

Term Notes – 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.
$10030 months1.750%1.762%120 days of interest
$10060 months2.250%2.269%120 days of interest