LCEF StewardAccount for Ministries

* 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.

Benefits & Features

  • Minimum $100 investment to open account
  • Competitive interest rates
  • Unlimited number of checks per month, with per-check minimum of $250
  • Initial quantity of checks free and check reorders at LCEF cost
  • Funds accessible via check, Visa® debit card and electronic transfer
  • Works seamlessly with Joyful Response®, our free e-tithing and e-tuition payment tool
  • Tiered interest rates that rise as your balance grows
  • Free MyAccount online services, including e-statements

StewardAccount Rates

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.
$1000.750%0.753%
$250,0000.875%0.879%
$500,0001.000%1.005%
$1,000,0001.375%1.384%

See all investment rates.

 

Gold Tier StewardAccount

Imagine investing in such a way that benefits The Lutheran Church—Missouri Synod (LCMS), earns a competitive interest rate and gives you the kind of access you need to your funds.

That’s what the Gold Tier StewardAccount—a new investment from Lutheran Church Extension Fund for LCMS individuals, congregations and organizations—is all about.

Benefits & Features

  • Minimum investment: $50,000.
  • New money only.
  • Interest compounded and paid monthly.
  • Unlimited number of checks per month, with per-check minimum of $250.
  • Initial quantity of checks free and check reorders at LCEF cost.
  • Visa® debit card (optional).
  • Additional funds accepted ($25 minimum; new money only).
  • Available to LCMS individuals, congregations and organizations.

Gold Tier StewardAccount Rates

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. Rates are fixed for 180 days (based on open date). Interest rate drops to 1.375% for balances under $50,000.
$50,0002.125%2.146%
$100,0002.250%2.273%
$250,0002.375%2.401%
$500,0002.500%2.529%
 

Cemetery Care StewardAccount

* 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.

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.

Benefits & Features

  • Minimum $1,000 investment to open account
  • Unlimited number of checks per month, with per-check minimum of $250
  • Initial quantity of checks free and check reorders at LCEF cost
  • Visa® debit card (optional)
  • Tiered interest rates that rise as your balance grows
  • Interest compounded and paid monthly
  • Free MyAccount online services, including e-statements

Cemetery Care StewardAccount Rates

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.
$1,0000.375%0.376%
$25,0000.500%0.501%
$50,0000.625%0.627%
$100,0000.750%0.753%

See all investment rates.

 

Frequently Asked Questions