INVESTMENTS StewardAccounts LCEF’s StewardAccount® is an easy-access investment that builds over time with interest earned. With your StewardAccount you’ll maintain full control over your balances and enjoy convenient online access through MyAccount.

LCEF also offers a Young Investors StewardAccount® option for investors under 19. HELPFUL DOCUMENTS GET STARTED

StewardAccount

A busy lifestyle doesn’t mean you can’t manage your daily finances with the Lord’s work in mind. With our standard StewardAccount, you can write checks, use a debit card and conduct online transactions through MyAccount. Your StewardAccount goes where you go.

The Grimms Investors For Over 30 Years

“We keep all of our savings there,” Hiram said. “They are easy to contact, and they are very friendly, giving a good return, but the best part of the whole thing is sharing those funds with other churches and schools.”

Benefits & Features

  • Minimum $100 investment to open account
  • Unlimited number of checks per month, with per-check minimum of $250
  • Initial quantity of checks free and check reorders at LCEF cost
  • Visa® debit card (optional)
    • Secure access to Visa Checkout, Apple Pay, Samsung Pay and other quick, secure payment solutions
  • No monthly maintenance or membership fees
  • Free MyAccount online services, including bill pay and e-statements
MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$1000.625%0.627%
$1,0000.750%0.753%
$5,0001.250%1.257%
$10,0001.750%1.764%

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Family Emergency StewardAccount

LCEF’s Family Emergency StewardAccount is designed to prepare you for those moments when you need funds not allocated in your monthly budget. Your investment builds over time with electronic funds transfer (EFT) and interest earned. You can access the funds easily when you need them most.

This investment is known as the Family StewardAccount in Ohio.

The Endorfs Investors

“Yes, I’m getting a great return,” he said, “but at the end of the day, this is going to help a Lutheran church worker, school or church. At some point down the road, it could be me—or could have been me.”

Benefits & Features

  • Minimum $25 investment to open account.
  • Minimum $25 monthly electronic investment required until account reaches and maintains balance of $10,000 or more.
  • Limit 12 checks per calendar year, with per-check minimum of $250.
  • Initial quantity of checks free and check reorders at LCEF cost.
  • No monthly maintenance or membership fees.
  • Free MyAccount online services, including e-statements.
MinimumRateAPY *
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$252.000%2.018%

Get Started  

Church Worker StewardAccount

You are a church worker. You have a mission—a call. God steered you toward a lifetime of service and sharing the message of living hope in Christ.

Of course, that doesn’t mean you are immune from the stresses of this world. For many church workers, money challenges can distract—and even derail—you from that service.

LCEF wants to help you focus on your mission by making it easy and worthwhile to put a little money away each month. Believe it or not, this simple act can provide a certain amount of relief, so you can continue faithfully serving our Lord.

If that sounds like you, LCEF’s Church Worker StewardAccount is for you. It’s an investment exclusively for LCMS rostered and lay church workers.

Anna VanVleet Investor

“The interest rates are competitive, and we like being able to support an organization that we know is supporting other church workers. We also know we’re not going to get scammed into something which can be the fear in other places.”

Benefits & Features

3% | On balances up to $50,000

  • $100 minimum to open (new money only).
  • Interest compounded and paid monthly.
  • Minimum monthly electronic investment of $25 recommended.
  • Unlimited checks.
  • Visa® debit card (optional).
    • Secure access to Visa Checkout, Apple Pay, Samsung Pay and other quick, secure payment solutions
  • No monthly maintenance or membership fees.
  • Funds over $50,000 will adjust to the Family Emergency StewardAccount rate.
  • Free MyAccount online services, including bill pay and e-statements.

More Information  

Family Emergency StewardAccount

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StewardAccount

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