Investment Interest Rates

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

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	0.625%	0.627%
$250,000	0.750%	0.753%
$500,000	1.250%	1.257%
$1,000,000	1.750%	1.764%

Gold Tier 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. Interest rate drops to 1.375% for balances under $50,000.
$50,000	1.875%	1.891%
$100,000	2.000%	2.018%
$250,000	2.250%	2.273%
$500,000	4.000%	4.074%

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	4.000%	4.060%	90 days of interest
$500 to $50,000	4 years	3.750%	3.803%	180 days of interest
Over $50,000 - portion of balance > $50,000 earns second-tier fixed rate	2 & 4 Years	2.250%	2.269%	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. ** New money only.
$500	6 mos.**	4.500%	4.577%	90 days of interest
$500	1 year	3.000%	3.034%	90 days of interest
$500	18 mos.**	5.000%	5.095%	90 days of interest
$500	2 years	3.750%	3.803%	90 days of interest
$500	3 years	2.250%	2.269%	120 days of interest
$500	4 years	2.500%	2.524%	180 days of interest
$500	5 years	2.750%	2.778%	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	2.250%	2.269%	120 days of interest
$100	60 months	2.750%	2.778%	120 days of interest

Church Worker Loan Pool

Minimum	Term	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.
-	5 years	0.500%	0.501%
-	8 years	1.000%	1.004%
-	10 years	1.250%	1.256%

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.

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	0.625%	0.627%
$1,000	0.750%	0.753%
$5,000	1.250%	1.257%
$10,000	1.750%	1.764%

Gold Tier 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. Interest rate drops to 1.375% for balances under $50,000.
$50,000	1.875%	1.891%
$100,000	2.000%	2.018%
$250,000	2.250%	2.273%
$500,000	4.000%	4.074%

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	4.000%	4.060%	90 days of interest
$500 - $50,000	4 years	3.750%	3.803%	180 days of interest
Over $50,000	2 & 4 years	2.250%	2.269%	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. ** New money only.
$500	6 mos.**	4.500%	4.577%	90 days of interest
$500	1 year	3.000%	3.034%	90 days of interest
$500	18 mos.**	5.000%	5.095%	90 days of interest
$500	2 years	3.750%	3.803%	90 days of interest
$500	3 years	2.250%	2.269%	120 days of interest
$500	4 years	2.500%	2.524%	180 days of interest
$500	5 years	2.750%	2.778%	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	2.250%	2.269%	120 days of interest
$100	60 months	2.750%	2.778%	120 days of interest

Church Worker Loan Pool

Minimum	Term	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.
-	5 years	0.500%	0.501%
-	8 years	1.000%	1.004%
-	10 years	1.250%	1.256%