All Access Account
Great rates and full access to your funds, designed for your daily needs.
About All Access Accounts
At LCEF, we know how important growing God’s kingdom is — we live and breathe this with our mission. With an All Access Account, you join fellow Lutherans to lend a helping hand to LCMS ministries, providing funds for them to invest in their unique ministry goals.
Explore the Benefits
Optional Visa® Debit Card
Easy access to your money with the LCEF mobile app*
No monthly maintenance membership fees
Free MyAccount online services, including bill pay and e-statements
Interest accrued daily and paid monthly
* App access restricted to individual investors. Online access available for all others.
| 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% |
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
Can I mail in a paper application?
What information do I need to open an account online?
- An image of your driver’s license/state ID with your current address.
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- 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
- If your ID does not reflect your current address, we will need one of the following:
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- Your complete physical and mailing address.
- Social Security number.
- Date of birth.
Please note that trust accounts cannot be opened online.
How do I transfer funds into my account?
- If you are applying online for your account, you may transfer funds via ACH or mail in a check. To add funds after your 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
- Lutheran Church Extension Fund
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.