Investment Interest Rates - Lutheran Church Extension Fund

The rates below are current for the month of January 2021.

Personal

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%

Y.I. 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.
$25 to $1000	2.000%	2.018%
Over $1,000	0.500%	0.501%

Family Emergency 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.
$25	0.500%	0.501%

HSA 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.
$1	0.125%	0.125%
$2,500	0.250%	0.250%
$5,000	0.625%	0.627%
$15,000	0.750%	0.753%

ConnectPlus Term Note

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	2.250%	2.269%	90 days of interest
Over $50,000	---	0.875%	0.878%	90 days of interest

PartnerPlus Term Note

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	1.750%	1.762%	90 days of interest
$500 - $50,000	4 years	2.250%	2.269%	180 days of interest
Over $50,000	---	0.875%	0.878%	Depends on term

Fixed-Rate Term Note

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

Fixed-Rate Jumbo Note

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.
$100,000	5 years	1.625%	1.635%	180 days of interest

Floating Rate Term Note

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

Floating Jumbo Note

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.
$100,000	60 months	1.625%	1.635%	180 days of interest

Ministry

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	0.250%	0.250%

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	0.250%	0.250%
$250,000	0.375%	0.376%
$500,000	0.500%	0.501%
$1,000,000	0.625%	0.627%

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	1.750%	1.762%	90 days of interest
$500 to $50,000	4 years	2.250%	2.269%	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	1.500%	1.508%	180 days of interest

Business

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	0.250%	0.250%
$1,000	0.375%	0.376%
$5,000	0.500%	0.501%
$10,000	0.625%	0.627%

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	2.000%	2.015%	90 days of interest
$500 - $50,000	4 years	2.500%	2.524%	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	1.500%	1.508%	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	1.500%	1.508%	180 days of interest