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

Click here for rates as of June 2024.

All Access Account

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.
$1002.500%2.529%
$10,0003.000%3.042%
$50,0003.500%3.557%
$100,0004.000%4.074%
$500,0004.500%4.594%

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.
$253.000%3.042%

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%
$2,5002.500%2.529%
$5,0003.000%3.042%
$10,0004.000%4.074%

IRA 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.
$1001.750%1.762%

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%

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.

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.

All Access Account 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.
$1002.500%2.529%
$10,0003.000%3.042%
$50,0003.500%3.557%
$100,0004.000%4.074%
$500,0004.500%4.594%

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%