Investment Interest Rates

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

Demand Certificate

Minimum	Rate	APY *
* 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	0.125%	0.125%

StewardAccount

Minimum	Rate	APY *
* 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	0.125%	0.125%
$250,000	0.250%	0.250%
$500,000	0.375%	0.376%
$1,000,000	0.500%	0.501%

PartnerPLUS Term Note – Fixed

Minimum	Term	Rate	APY *	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 $50,000	2 years	1.625%	1.635%	90 days of interest
$500 to $50,000	4 years	2.125%	2.142%	180 days of interest
Over $50,000 - portion of balance > $50,000 earns second-tier fixed rate	---	0.875%	0.878%	Depends on term

Term Notes – Fixed

Minimum	Term	Rate	APY *	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	1 year	0.500%	0.501%	90 days of interest
$500	2 years	0.750%	0.752%	90 days of interest
$500	3 years	0.875%	0.878%	120 days of interest
$500	4 years	1.000%	1.004%	180 days of interest
$500	5 years	1.250%	1.256%	180 days of interest

Term Notes – Floating

Minimum	Term	Rate	APY *	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	30 months	0.875%	0.878%	120 days of interest
$100	60 months	1.250%	1.256%	180 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

Minimum	Rate	APY *
* 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	0.125%	0.125%
$1,000	0.250%	0.250%
$5,000	0.375%	0.376%

StewardAccount

Minimum	Rate	APY *
* 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	0.125%	0.125%
$1,000	0.250%	0.250%
$5,000	0.375%	0.376%
$10,000	0.500%	0.501%

PartnerPLUS Term Note – Fixed

Minimum	Term	Rate	APY *	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 - $50,000	2 years	1.625%	1.635%	90 days of interest
$500 - $50,000	4 years	2.125%	2.142%	180 days of interest
Over $50,000	---	0.875%	0.878%	Depends on term

Term Notes – Fixed

Minimum	Term	Rate	APY *	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	1 year	0.500%	0.501%	90 days of interest
$500	2 years	0.750%	0.752%	90 days of interest
$500	3 years	0.875%	0.878%	120 days of interest
$500	4 years	1.000%	1.004%	180 days of interest
$500	5 years	1.250%	1.256%	180 days of interest

Term Notes – Floating

Minimum	Term	Rate	APY *	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	30 months	0.875%	0.878%	120 days of interest
$100	60 months	1.250%	1.256%	180 days of interest