All Access Account
Great rates and full access to your funds – designed for your organization’s daily needs.
About All Access Accounts
An All Access Account with LCEF is an easy-access investment that builds over time with interest earned. With an All Access Account, your organization maintains full control over your balances and enjoys convenient online access.
At LCEF, we know how important growing God’s kingdom is—we live and breathe this with our mission. With an All Access Account with LCEF, your investment aligns with your Lutheran values to grow and sustain LCMS ministries like yours.
Explore the Benefits
Optional Visa® Debit Card
No monthly maintenance membership fees.
Free MyAccount online services, including e-statements.
Interest is accrued daily and paid monthly.
Congregations, schools and organizations can enjoy the benefits of MyAccount by completing and submitting a MyAccount enrollment form.
All Access Account
| Amount | Interest Rate | APY* |
|---|---|---|
| $100 | 2.250% | 2.273% |
| $10,000 | 2.750% | 2.785% |
| $50,000 | 3.250% | 3.299% |
| $100,000 | 3.750% | 3.815% |
| $500,000+ | 4.250% | 4.334% |
** APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Open Your Account Online Today
Join Lutheran Investors Like You
Sarah Grack-Moritz
School Technology & Innovation, Orange, Calif.
“I am an LCEF investor because we believe in what LCEF does. LCEF helps schools and churches … get loans that they would never have been able to get so that we can promote the spreading of the Gospel and support the community around us.”
Rev. Adam Salinas
Concordia Lutheran Ministries, Freeport, Pa.
“I enjoy investing in LCEF because I know that our money goes towards building new churches and schools. I enjoy investing with them because they are caring and supportive in the financial services that they provide.”
Rev. Michael Schmidt
Peace Lutheran Church, Natoma, Kan.
“Money invested goes beyond traditional means and goes to help churches and schools that share our core beliefs.”
FAQs
What information do I need to open an account online?
Authorized Signers will need the following information in order to complete the application:
- Driver’s License/State ID with current address for upload
- Your complete physical and mailing address
- Social Security number
- Mother’s Maiden Name
- Date of Birth
If your ID does not reflect your current address, we will need one of the following:
- An updated Valid Driver’s License/State ID
- A utility bill in the last 30 days with your name and current address
- A bank statement in the last 30 days with your name and current address
Can I mail in a paper application?
How do I transfer funds into our organization’s account?
If you are applying online for your organization’s account, you may transfer funds via ACH or mail in a check. To add funds after the account is open, you may transfer funds if you are signed up for MyAccount online access or mail a check to the address listed below.
For Deposits Only:
Lutheran Church Extension Fund
PO BOX 219193
Kansas City, MO 64121-7229
Who do I contact if I need help with my application?
Contact our Customer Relations team at request@lcef.org or 800-843-5233 7 a.m. to 5 p.m. (CT) Monday through Friday.