INVESTMENTS Retirement Accounts Make your retirement money work harder for you. HELPFUL DOCUMENTS GET STARTED

Which Individual Retirement Account (IRA) is right for you?

Whether young or old, it is never too soon to plan for retirement. The first step is maxing out your employer-sponsored plan and taking advantage of it. What else can you do to make sure you retire comfortably?

An IRA allows you to save additional money for your retirement in a tax-advantaged way. They are easy to set up at Lutheran Church Extension Fund (LCEF). In addition, your investment works twice as hard for you.

How to open an LCEF IRA

Ready to join thousands of investors who share your Lutheran values and love for the church?

Visit, and in just a few minutes, you’ll be part of a group of select Lutherans whose investments are helping to support, strengthen, and sustain LCMS ministries.

An investment that goes beyond financial gain?

Indeed. At LCEF, your investment earns a competitive interest rate while supporting Lutheran Church—Missouri Synod (LCMS) workers, churches, schools and organizations. LCMS ministries use our low-cost loans to expand, renovate and launch new ministries.

Think of it as Lutherans helping Lutherans.

Consulting Your Tax Advisor

Neither LCEF nor its representatives give legal, accounting or tax advice. We always suggest that you consult with your tax advisor regarding the applicability of this information to your own situation. For assistance in completing the necessary forms or if you have any questions, please call 800-843-5233. UMB Bank n.a. serves as the custodian of the LCEF IRA/HSA.