An LCEF StewardAccount is designed to help you smoothly manage your ministry operations. The funds your ministry invests make it possible for LCEF to support other LCMS ministries with customized loans and ministry-enhancing resources.
The StewardAccount is not available to investors in South Carolina. StewardAccount access features are offered through UMB Bank n.a.
For complete disclosure information, see the Offering Circular or request a copy by calling 800-843-5233. Fees (PDF) may be charged for customer-initiated service requests.
* The State of Washington has adopted a regulatory position that currently prohibits residents of Washington State from opening a new investment unless they are already an LCEF investor.
With our StewardAccount, you can manage your ministry’s day-to-day finances by writing checks, using an optional debit card and accessing account information online—with no monthly maintenance or membership fees.
Our Cemetery Care StewardAccount allows you to designate ministry dollars for the improvement, maintenance, management and long-term operation of your congregation’s cemetery. This investment helps ensure that money set aside for the cemetery is earning a competitive interest rate and remains easily accessible with no monthly maintenance or membership fees.
Call the UMB Card Center at 800-449-9176.
Additional investments may be made electronically through MyAccount (LCEF’s online financial service), wire transfer, ACH or by sending a check with an Investment Slip (PDF).
Redemptions can be made from investments at any time. Complete the redemption section of the Investment Slip (PDF) and mail or fax to us. Unless otherwise instructed, a check will be issued.
StewardAccount® holders have the ability to write checks or may have access to their funds via the debit card.
Term Notes: Redemption of a term note prior to the maturity date may be subject to an early withdrawal penalty, which could result in the loss of principal.
To update your bank information or change the transfer amount, complete the Investment ACH Authorization Form (PDF) and return to us at least 5 business days before the next scheduled transaction date.
To stop your transfer, write or call us at 800-843-5233. Requests must be received at least 5 business days before the next scheduled transaction date.
Complete the ACH Stop Payment Form (PDF) and return it to us. The form must be received before the ACH debit has posted to your LCEF investment. This form may be used for a one-time or permanent stop payment of an ACH debit.
Visit the authorized signers page for more information on how to keep your corporate investment up to date.
We use your personal information to verify your identity when you are transacting on behalf of your organization/business. When you call us to discuss the investment, we will ask you questions based on the personal information you have provided to ensure we are communicating with you. When a signer does not provide us with personal information, we are unable to verify identity. Therefore, we may be unable to assist with phone inquiries or allow enrollment in MyAccount (online financial service).
Be assured that we treat all information in a secure and confidential manner. Refer to Privacy & Security or contact us at 800-843-5233 with any questions.
Documents requiring an officer’s authorization may be completed by any officer who was duly elected by the organization or business they represent. If requested they can provide proof of their election through meeting minutes or other legally binding paperwork.
All organization/business debit cards are mailed to the address of the organization/business. In an emergency, replacement cards can be mailed to the address we have on file for the cardholder.
MyAccount is a secure online service allowing investors and borrowers quick access to their LCEF investment and loan information. Besides viewing balances, account history and accessing eStatements, users may:
IRA and HSA investments limited to inquiry only access in MyAccount.
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As a consultant for Capital Funding Services (CFS), Randy enjoys assisting the Lord’s people in experiencing the joys of generosity. He is a firm believer in the Scriptural truth that “whoever sows bountifully will also reap bountifully” (2 Corinthians 9:6). He says, “Stewardship is simply reflecting the image of our generous God, who has blessed us in Christ with every spiritual blessing.” His leadership has encouraged his congregation to provide generous support for ministries locally, regionally, nationally and internationally.
Randy has been a parish pastor for 35 years. For the past 28 years, he has been serving First Immanuel Lutheran Church, Cedarburg, Wisconsin. Leading a large congregation has enabled him to experience six capital campaigns, allowing him to provide great insights to pastors in capital campaigns and stewardship.
Randy has served Concordia University Wisconsin as an adjunct professor of theology for 26 years. In 2010, the university awarded him the honor of “Distinguished Alumnus.” He has also served 12 years on the South Wisconsin District Board of Directors, including six years as Board Chair and First Vice President of the district. He conducts seminars on generosity and provides encounters for parish pastors to discuss cultural issues and the church’s impact.
Randy resides in Cedarburg, Wisconsin, with his wife, Diana, who is the South Wisconsin District’s Lutheran Church Extension Fund’s District Vice President. They have two married daughters and three granddaughters. Randy’s mission statement is to serve God by serving others.