The rates below are current for the month of June 2024.

Click here for rates as of June 2024.

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.
$1000.625%0.626%
$1,0000.750%0.752%
$5,0001.250%1.256%
$10,0001.750%1.762%

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 $10003.000%3.042%
Over $1,0002.000%2.018%

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.
$12.000%2.018%
$2,5002.250%2.273%
$5,0002.500%2.529%
$15,0003.000%3.042%

Church Worker 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.
$1003.000%3.042%
$50,0001.750%1.764%

Gold Tier 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. Interest rate drops to 1.375% for balances under $50,000.
$50,0001.875%1.891%
$100,0002.000%2.018%
$250,0002.250%2.273%
$500,0004.000%4.074%

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.
** new money only.
$5006 mos.**4.500%4.577%90 days of interest
$5001 year4.250%4.318%90 days of interest
$50018 mos.**5.000%5.095%90 days of interest
$5002 years4.250%4.318%90 days of interest
$5003 years4.250%4.318%120 days of interest
$5004 years4.000%4.060%180 days of interest
$5005 years4.000%4.060%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 years4.500%4.577%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 months4.250%4.318%120 days of interest
$10060 months4.000%4.060%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 months4.500%4.577%180 days of interest

Church Worker Loan Pool

MinimumTermRateAPY *
* 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 years0.500%0.501%
-8 years1.000%1.004%
-10 years1.250%1.256%

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

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.
$1000.625%0.627%
$250,0000.750%0.753%
$500,0001.250%1.257%
$1,000,0001.750%1.764%

Gold Tier 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. Interest rate drops to 1.375% for balances under $50,000.
$50,0001.875%1.891%
$100,0002.000%2.018%
$250,0002.250%2.273%
$500,0004.000%4.074%

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.
** New money only.
$5006 mos.**4.500%4.577%90 days of interest
$5001 year4.250%4.318%90 days of interest
$50018 mos.**5.000%5.095%90 days of interest
$5002 years4.250%4.318%90 days of interest
$5003 years4.250%4.318%120 days of interest
$5004 years4.000%4.060%180 days of interest
$5005 years4.000%4.060%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 months4.250%4.318%120 days of interest
$10060 months4.000%4.060%120 days of interest

Church Worker Loan Pool

MinimumTermRateAPY *
* 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 years0.500%0.501%
-8 years1.000%1.004%
-10 years1.250%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

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.
$1000.625%0.626%
$1,0000.750%0.752%
$5,0001.250%1.256%
$10,0001.750%1.762%

Gold Tier 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. Interest rate drops to 1.375% for balances under $50,000.
$50,0001.875%1.891%
$100,0002.000%2.018%
$250,0002.250%2.273%
$500,0004.000%4.074%

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.
** New money only.
$5006 mos.**4.500%4.577%90 days of interest
$5001 year4.250%4.318%90 days of interest
$50018 mos.**5.000%5.095%90 days of interest
$5002 years4.250%4.318%90 days of interest
$5003 years4.250%4.318%120 days of interest
$5004 years4.000%4.060%180 days of interest
$5005 years4.000%4.060%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 months4.250%4.318%120 days of interest
$10060 months4.000%4.060%120 days of interest

Church Worker Loan Pool

MinimumTermRateAPY *
* 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 years0.500%0.501%
-8 years1.000%1.004%
-10 years1.250%1.256%