Current Investment Interest Rates
LCEF strives to consistently provide competitive interest rates. We believe that every dollar should work harder for you, and at LCEF, your dollars work twice as hard—growing your investment and growing LCMS ministries.
The interest rates below are current for the month of September 2026.
Browse our competitive interest rates to find investments that fit your financial goals.
Download this month’s interest rate sheet.
Download this month’s interest rate sheet.
All Access Account
| Amount | Interest Rate | APY* |
|---|---|---|
| $100 | 1.000% | 1.005% |
| $10,000 | 1.500% | 1.510% |
| $50,000 | 2.000% | 2.018% |
| $100,000 | 2.500% | 2.529% |
| $500,000+ | 3.000% | 3.042% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Y.I. StewardAccount®
| Minimum | Rate | APY* |
|---|---|---|
| $25 | 3.000% | 3.042% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
IRA Dedicated Certificate
| Minimum | Rate | APY* |
|---|---|---|
| $100 | 1.750% | 1.762% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Church Worker StewardAccount®
| Minimum | Rate | APY* |
|---|---|---|
| $100 | 3.000% | 3.042% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
HSA Certificate
| Minimum | Rate | APY* |
|---|---|---|
| $1 | 1.500% | 1.510% |
| $2,500 | 2.000% | 2.018% |
| $5,000 | 2.500% | 2.529% |
| $10,000 | 3.000% | 3.042% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Church Worker Loan Pool
Floating Rate Term Note
| Term | Rate | APY* |
|---|---|---|
| 60 mos. | 2.00% | 2.018% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
LCEF may, at any time, discontinue the particular type of loan for which a Special-Purpose Note has been issued. If LCEF discontinues the type of loan for which a Special-Purpose Note has been issued, then from and after the date of such discontinuance, such Note will no longer be treated as a Special-Purpose Note and the interest rate on such Note will convert to the then-current interest rate that would otherwise be applicable to such Note if it had not been issued as a Special-Purpose Note.
LCEF may, at any time, discontinue the particular type of loan for which a Special-Purpose Note has been issued. If LCEF discontinues the type of loan for which a Special-Purpose Note has been issued, then from and after the date of such discontinuance, such Note will no longer be treated as a Special-Purpose Note and the interest rate on such Note will convert to the then-current interest rate that would otherwise be applicable to such Note if it had not been issued as a Special-Purpose Note.
Fixed Rate Term Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $500 | 6 mos. | 3.500% | 3.546% | 90 days of interest |
| $500 | 1 yr. | 4.000% | 4.060% | 90 days of interest |
| $500 | 18 mos. | 4.000% | 4.060% | 90 days of interest |
| $500 | 2 yrs. | 3.500% | 3.546% | 90 days of interest |
| $500 | 3 yrs. | 3.500% | 3.546% | 120 days of interest |
| $500 | 4 yrs. | 3.500% | 3.546% | 180 days of interest |
| $500 | 5 yrs. | 3.500% | 3.546% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Fixed Rate Jumbo Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $100,000 | 5 yrs | 4.000% | 4.060% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Floating Rate Term Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $100 | 30 mos. | 3.500% | 3.546% | 120 days of interest |
| $100 | 60 mos. | 3.500% | 3.546% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
IRA Floating Jumbo Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $100,000 | 60 mos. | 4.000% | 4.060% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
All Access Account
| Amount | Interest Rate | APY* |
|---|---|---|
| $100 | 1.000% | 1.005% |
| $10,000 | 1.500% | 1.510% |
| $50,000 | 2.000% | 2.018% |
| $100,000 | 2.500% | 2.529% |
| $500,000+ | 3.000% | 3.042% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Fixed Rate Term Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $500 | 6 mos. | 3.500% | 3.546% | 90 days of interest |
| $500 | 1 yr. | 4.000% | 4.060% | 90 days of interest |
| $500 | 18 mos. | 4.000% | 4.060% | 90 days of interest |
| $500 | 2 yrs. | 3.500% | 3.546% | 90 days of interest |
| $500 | 3 yrs. | 3.500% | 3.546% | 120 days of interest |
| $500 | 4 yrs. | 3.500% | 3.546% | 180 days of interest |
| $500 | 5 yrs. | 3.500% | 3.546% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Fixed Rate Jumbo Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $100,000 | 5 yrs | 4.000% | 4.060% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Floating Rate Term Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $100 | 30 mos. | 3.500% | 3.546% | 120 days of interest |
| $100 | 60 mos. | 3.500% | 3.546% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Church Worker Loan Pool
Floating Rate Term Note
| Term | Rate | APY* |
|---|---|---|
| 60 mos. | 2.00% | 2.018% |
*APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
LCEF may, at any time, discontinue the particular type of loan for which a Special-Purpose Note has been issued. If LCEF discontinues the type of loan for which a Special-Purpose Note has been issued, then from and after the date of such discontinuance, such Note will no longer be treated as a Special-Purpose Note and the interest rate on such Note will convert to the then-current interest rate that would otherwise be applicable to such Note if it had not been issued as a Special-Purpose Note.
LCEF may, at any time, discontinue the particular type of loan for which a Special-Purpose Note has been issued. If LCEF discontinues the type of loan for which a Special-Purpose Note has been issued, then from and after the date of such discontinuance, such Note will no longer be treated as a Special-Purpose Note and the interest rate on such Note will convert to the then-current interest rate that would otherwise be applicable to such Note if it had not been issued as a Special-Purpose Note.
All Access Account
| Amount | Interest Rate | APY* |
|---|---|---|
| $100 | 1.000% | 1.005% |
| $10,000 | 1.500% | 1.510% |
| $50,000 | 2.000% | 2.018% |
| $100,000 | 2.500% | 2.529% |
| $500,000+ | 3.000% | 3.042% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Fixed Rate Term Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $500 | 6 mos. | 3.500% | 3.546% | 90 days of interest |
| $500 | 1 yr. | 4.000% | 4.060% | 90 days of interest |
| $500 | 18 mos. | 4.000% | 4.060% | 90 days of interest |
| $500 | 2 yrs. | 3.500% | 3.546% | 90 days of interest |
| $500 | 3 yrs. | 3.500% | 3.546% | 120 days of interest |
| $500 | 4 yrs. | 3.500% | 3.546% | 180 days of interest |
| $500 | 5 yrs. | 3.500% | 3.546% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Fixed Rate Jumbo Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $100,000 | 5 yrs | 4.000% | 4.060% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Floating Rate Term Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $100 | 30 mos. | 3.500% | 3.546% | 120 days of interest |
| $100 | 60 mos. | 3.500% | 3.546% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Church Worker Loan Pool
Floating Rate Term Note
| Term | Rate | APY* |
|---|---|---|
| 60 mos. | 2.00% | 2.018% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
LCEF may, at any time, discontinue the particular type of loan for which a Special-Purpose Note has been issued. If LCEF discontinues the type of loan for which a Special-Purpose Note has been issued, then from and after the date of such discontinuance, such Note will no longer be treated as a Special-Purpose Note and the interest rate on such Note will convert to the then-current interest rate that would otherwise be applicable to such Note if it had not been issued as a Special-Purpose Note.
LCEF may, at any time, discontinue the particular type of loan for which a Special-Purpose Note has been issued. If LCEF discontinues the type of loan for which a Special-Purpose Note has been issued, then from and after the date of such discontinuance, such Note will no longer be treated as a Special-Purpose Note and the interest rate on such Note will convert to the then-current interest rate that would otherwise be applicable to such Note if it had not been issued as a Special-Purpose Note.
All Access Account
| Amount | Interest Rate | APY* |
|---|---|---|
| $100 | 1.000% | 1.005% |
| $10,000 | 1.500% | 1.510% |
| $50,000 | 2.000% | 2.018% |
| $100,000 | 2.500% | 2.529% |
| $500,000+ | 3.000% | 3.042% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Fixed Rate Term Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $500 | 6 mos. | 3.500% | 3.546% | 90 days of interest |
| $500 | 1 yr. | 4.000% | 4.060% | 90 days of interest |
| $500 | 18 mos. | 4.000% | 4.060% | 90 days of interest |
| $500 | 2 yrs. | 3.500% | 3.546% | 90 days of interest |
| $500 | 3 yrs. | 3.500% | 3.546% | 120 days of interest |
| $500 | 4 yrs. | 3.500% | 3.546% | 180 days of interest |
| $500 | 5 yrs. | 3.500% | 3.546% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Fixed Rate Jumbo Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $100,000 | 5 yrs | 4.000% | 4.060% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Floating Rate Term Note
| Minimum | Term | Rate | APY* | Penalty |
|---|---|---|---|---|
| $100 | 30 mos. | 3.500% | 3.546% | 120 days of interest |
| $100 | 60 mos. | 3.500% | 3.546% | 180 days of interest |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
Church Worker Loan Pool
Floating Rate Term Note
| Term | Rate | APY* |
|---|---|---|
| 60 mos. | 2.00% | 2.018% |
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
LCEF may, at any time, discontinue the particular type of loan for which a Special-Purpose Note has been issued. If LCEF discontinues the type of loan for which a Special-Purpose Note has been issued, then from and after the date of such discontinuance, such Note will no longer be treated as a Special-Purpose Note and the interest rate on such Note will convert to the then-current interest rate that would otherwise be applicable to such Note if it had not been issued as a Special-Purpose Note.
LCEF may, at any time, discontinue the particular type of loan for which a Special-Purpose Note has been issued. If LCEF discontinues the type of loan for which a Special-Purpose Note has been issued, then from and after the date of such discontinuance, such Note will no longer be treated as a Special-Purpose Note and the interest rate on such Note will convert to the then-current interest rate that would otherwise be applicable to such Note if it had not been issued as a Special-Purpose Note.
LCEF interest rates are set monthly based on regional and national rates published by the Bank Rate Monitor(TM). For more information, see the LCEF Offering Circular or request a copy by calling 800-843-5233.