Serving Those Who Serve a Higher Calling

At LCEF, we value the dedication and service of LCMS church workers. For those who have answered God’s call to serve, our mission is to provide support for your personal and financial well-being, empowering you to focus on your ministry with confidence.

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Who Qualifies as a Church Worker?

LCEF is dedicated to supporting both LCMS Rostered Church Workers (RCWs) – full-time and part-time, active and emeritus – with thoughtful financial solutions that serve God’s calling for the immediate and long-term.

Available Services for LCMS RCWs

Explore the options available to you.

Investments

With an exclusive investment for church workers, grow your money with a competitive interest rate.

Residential Loans

Whether you’re buying your first home or refinancing, find a mortgage solution that fits your ministry and family needs.

Church Worker Wellness

Rejuvenate your ministry passion and personal peace with the resources available by Grace Place Wellness.

Open your Church Worker StewardAccount® today

Enjoy a competitive interest rate and easy access to your funds.

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Investments

Your commitment inspires hope in our Lutheran communities, and at LCEF, we want you to feel hopeful about planning for and managing your financial future. That’s why we’ve created a specialized investment—the Church Worker StewardAccount—tailored specifically to LCMS church workers like you, with competitive rates and easy-to-access funds. Confidently manage daily expenses while planning for the path ahead.

Learn About Investment Options

Residential Loans

We believe loans should be both accessible and affordable for those who have faithfully dedicated their lives to LCMS ministries. No matter where you find yourself on your financial journey, LCEF is dedicated to serving you. Whether you’re buying a home or refinancing, consolidating debt or in search of a home equity loan, we offer competitive rates and terms to better serve your ministry and household needs.

Learn More About Residential Loans

Church Worker Wellness

At LCEF, we know your well-being extends beyond just physical health. It’s a holistic balance of mental, spiritual, emotional and financial wellness. That’s why the mission of Grace Place Wellness is to continually provide and expand wellness resources for LCMS church workers who live in service of God’s kingdom.

Learn More About Wellness