Young Investors StewardAccount®

Assist the children in your life in taking the first steps on their financial journey by starting early to build their accounts over time with a Young Investors (Y.I.) StewardAccount from Lutheran Church Extension Fund.

Open a Y.I. StewardAccount Now

About the Y.I. StewardAccount

Starting your child’s financial journey early can make all the difference. Whether celebrating a new addition to the family or creating a lasting legacy for your grandchildren, the Y.I. StewardAccount offers a meaningful way to invest in their future.

This account grows with your young investor—building both their savings and their financial responsibility. By age 16, they can explore the freedom of a debit card and online account access (with custodian approval). Plus, high school seniors with a Y.I. StewardAccount can apply for the Take Heart Scholarship each February, giving them another step toward a bright future.

Explore the Benefits

Minimum of $25 to open the account

Premium interest rate

Interest compounded daily and paid monthly

Accessible savings that grow with your child

Support LCMS ministry growth

Earn extra dollars for service and good grades

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.

Take Heart Scholarship

High school seniors with a Young Investors StewardAccount can take the next step in their journey by applying for the Take Heart Scholarship. This annual opportunity provides financial support for the next step in life while reinforcing the importance of faith and stewardship.

Apply Today

Join Lutherans Like You

Hear from LCMS members who have experienced the difference faith-driven financial solutions can make.

Marissa Kroenke

Deaconess

“Now that I’ve grown up, gotten married, my husband and I have started having children, we’re glad that that money can be in a place where it’s benefiting the church, and it’s benefiting our schools, and missions. And now that we have our children, we can get them started in the Young Investors accounts and just can continue to benefit the church.”