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Nebraska Scholarship

LCEF Nebraska District Scholarship Winner

Join us in congratulating Emily as the 2023 LCEF Nebraska District Scholarship winner!
A special thank you to all of those who applied.

Contact LCEF

10733 Sunset Office Drive, Suite 300
St. Louis, MO 63127-1020

Phone: 800-843-5233

Fax: 314-996-1131

Our Ministry Partners

Lutheran Church—Missouri Synod
Concordia Historical Institute
Concordia Publishing House
Concordia Plan Services
LCMS Foundation
Lutheran Federal Credit Union

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LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. LCEF will offer and sell its securities only in states where authorized. The offer is made solely by LCEF’s Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks. Neither LCEF nor its representatives give legal, accounting or tax advice. Consult your tax advisor as to the applicability of this information to your own situation. UMB Bank n.a. serves as the custodian for the LCEF IRA/HSA programs. ConnectPLUS is available on a one account per investor basis only to new investors 18 and older who have not had an LCEF investment in the past 24 months. ConnectPLUS is not available to investors in Ohio and Pennsylvania. PartnerPLUS is available to investors 18 and older. New money only. StewardAccount products are not available to investors in South Carolina. StewardAccount access features are offered through UMB Bank n.a. The Family Emergency StewardAccount is known as the Family StewardAccount in the State of Ohio. Demand/Dedicated Certificate is not available to investors in South Carolina. Lutheran Church Extension Fund-Missouri Synod. 10733 Sunset Office Drive, Suite 300, St. Louis, MO 63127-1020. 800-843-5233. lcef.org. NMLS# 3444. LCEF Mortgage Loan Originators: Pamela Macinski (NMLS# 16679). Michelle Porter (NMLS# 1675886). Tricia Galczynski (NMLS# 1896183). Tara Appleton (NMLS# 738203). Illinois Residential Mortgage Licensee (MB.0006057). Loans made or arranged pursuant to a California Law License (6037619). Nebraska Mortgage Banker License (540). Texas Complaint/Recovery Fund Notice – Figure: 7 TAC§80.200(b): “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.  THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV”. For more information on LCEF’s lending license go to lcef.org/state-disclosures/.

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Helpful Documents

Individual Investment Application (PDF)
Church Worker StewardAccount Application (PDF)
Beneficiary Designation Form (PDF)
Trust Certification Form (PDF)
Fee Schedule (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
ACH Stop Payment Form (PDF)
Terms and Conditions (PDF)

Term Notes Helpful Documents

Individual Investment Application (PDF)
Y.I. Club Application (PDF)
Beneficiary Designation Form (PDF)
Trust Certification Form (PDF)
Fee Schedule (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
Terms and Conditions (PDF)

YI Club Helpful Documents

Y.I. Club Application (PDF)
Extra Credit for Good Grades Form (PDF)
Extra Credit for Community Service Form (PDF)
Fee Schedule (PDF)
Terms and Conditions (PDF)

Retirement Account Helpful Documents

Fee Schedule (PDF)
Terms and Conditions (PDF)
Conversions Brochure (PDF)

Health Savings Account Helpful Documents

Fee Schedule (PDF)

Ministry StewardAccount Documents

Organization Investment Application (PDF)
Fee Schedule (PDF)
Investment Signature Authorization Form (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
ACH Stop Payment Form (PDF)
MyAccount Organization Application (PDF)
Terms and Conditions (PDF)

Business StewardAccount Helpful Documents

Business Investment Application (PDF)
Corporate Resolution (PDF)
Partnership Authorization (PDF)
Fee Schedule (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
ACH Stop Payment Form (PDF)
Investment Signature Authorization Form (PDF)
MyAccount Organization Application (PDF)
Terms and Conditions (PDF)

Individual Investment Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Church Worker StewardAccount Investment Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Young Investors (Y.I) Club Application (age 0-18) (PDF)

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Gold Tier Individual Investment Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Ministry Investment Application (PDF)

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Gold Tier Ministry Investment Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Business Investment Application (PDF)

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Gold Tier Business Application

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application

Residential Loans Helpful Documents

Your Home Loan Toolkit (PDF)
Consumer Handbook on Adjustable-Rate Mortgages (PDF)
Cost of Funds (PDF)
One Year Constant Maturity Index (PDF)
RCW Mortgage Information (PDF)

Home Equity Loans Helpful Documents

Your Home Loan Toolkit (PDF)
Automatic Loan Payment Authorization (PDF)

Congregation Loans Helpful Documents

Helping Hands in the Lending Process (PDF)

LCMS Congregation Loans Information Source (PDF)

Electronic Funds Transfer Agreement and Disclosure (PDF)

Automatic Loan Payment Authorization (PDF)

Payoff Request Form (PDF)

Additional Principal Payment Form (PDF)

Cost of Funds (PDF)

School Association Loans Helpful Documents

Electronic Funds Transfer Agreement and Disclosure (PDF)
Automatic Loan Payment Authorization (PDF)
MyAccount Organization Application (PDF)
Payoff Request Form (PDF)
Additional Principal Payment Form (PDF)
Cost of Funds (PDF)

Organization/RSO Loans Helpful Documents

Electronic Funds Transfer Agreement and Disclosure (PDF)
Automatic Loan Payment Authorization (PDF)
MyAccount Organization Application (PDF)
Payoff Request Form (PDF)
Additional Principal Payment Form (PDF)
Cost of Funds (PDF)

Church Improvement Program Helpful Documents

Church Improvement Brochure

Enrollment Materials

Instruction Letter
LCEF Organizational Application
Vanco Enrollment Form (PDF)

StewardAccount Helpful Documents

Individual Investment Application (PDF)
Beneficiary Designation Form (PDF)
Trust Certification Form (PDF)
Fee Schedule (PDF)
Investment Slip (PDF)
Investment ACH Authorization Form (PDF)
ACH Stop Payment Form (PDF)
Terms and Conditions (PDF)

Lutheran Church Extension Fund will be closed on Tuesday, July 4th in recognition of Independence Day.

Helpful Documents

Individual Application (PDF)

Helpful Documents

Organization Application (PDF)

6 and 18-Month Term Notes

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application for organizations

6 and 18-Month Term Notes

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application for individuals

6 and 18-Month Term Notes

By downloading this application, I certify that I have received and reviewed the applicable current Offering Circular of the Lutheran Church Extension Fund—Missouri Synod.

Click here to download the application for organizations

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