All Access Account
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
How Your All Access Account Gives Back
With an All Access Account through LCEF, your money supports ministries throughout the LCMS. This includes congregations, schools and organizations like the Home in a Box ministry featured in the video on this page.
For almost a decade, Home in a Box in Lincoln, Nebraska, has worked diligently to spread Christ’s love and compassion to formerly unhoused neighbors. During the transition out of homelessness, Home in a Box provides everything needed to turn an empty house or apartment into a home—as well as an annotated Bible and an open invitation to join their church community.
Your All Access Account helps ministries like this one to build the relationships that contribute to effective church outreach. Watch the Home in a Box video to learn more.
All Access Account Interest Rates
* App access restricted to individual investors. Online access available for all others.
| 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% |
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?
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- 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.
- An image of your driver’s license/state ID with your current address.
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 (download the ACH Authorization form) 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.