INVESTMENTS Term Notes LCEF term notes are all about your choices. For an account that works for you, start by choosing the duration of your investment. Next, choose from several fixed- or floating-interest rate options.

At the end of the term, the funds remain yours to re-invest or redeem. Interest is compounded and paid quarterly (March, June, September and December). HELPFUL DOCUMENTS GET STARTED

ConnectPLUS Term Note

If you want to experience the reward of supporting LCMS ministries and realize the financial benefits we offer, the ConnectPLUS Term Note is for you. This offer is available on a one account per investor basis only to new investors 18 and older who have not had an LCEF investment in the past 24 months. The offer is subject to change and is not available to investors in Ohio and Pennsylvania.

Benefits & Features

  • Low minimum $500 investment to open
  • Fixed rate on the first $50,000 (principal and interest) during the two-year term
  • Balance above $50,000 earns second-tier fixed rate
  • Additional funds can be added during the term ($25 minimum)
  • Transfers from other LCEF investments are not accepted
MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$500 - $50,0002 years4.250%4.318%90 days of interest
Over $50,000---2.250%2.269%90 days of interest

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Note:  At maturity, the ConnectPLUS special features will expire (tiered interest rate; ability to add funds during the term).  For states that allow notes to automatically renew, the ConnectPLUS note will become a 2-year fixed-rate term note. Please refer to our Fixed-Rate term note page for more information.  

PartnerPLUS Term Note

You can empower the positive influence of ministries and Rostered Church Workers in their communities by investing in LCEF’s PartnerPLUS term note. This offer is available to investors 18 and older.

Benefits & Features

  • Low minimum $500 investment to open
  • Two- or four-year term available
  • Premium fixed rate on balances up to $50,000
  • Balance above $50,000 earns second-tier fixed rate
  • During the initial term, additional funds can be added ($25 minimum)
  • IRA investments allowed
  • Transfers from other LCEF investments are not accepted
MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$500 - $50,0002 years4.000%4.060%90 days of interest
$500 - $50,0004 years3.750%3.803%180 days of interest
Over $50,0002 & 4 years2.250%2.269%Depends on term

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Note:  At maturity, the PartnerPLUS special features will expire (tiered interest rate; ability to add funds during the term).  For states that allow notes to automatically renew, the PartnerPLUS note will become a 2- or 4-year fixed-rate term note. Please refer to our Fixed-Rate term note page for more information.  

Fixed-Rate Term Note

This note carries a constant interest rate and requires a $500 minimum investment. A variety of terms are available, from 6 months to 5 years.

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
** new money only.
$5006 mos.**4.500%4.577%90 days of interest
$5001 year4.000%4.060%90 days of interest
$5002 years3.750%3.803%90 days of interest
$5003 years2.250%2.269%120 days of interest
$5004 years2.500%2.524%180 days of interest
$5005 years2.750%2.778%180 days of interest

Jumbo Note – Fixed

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$100,0005 years3.250%3.290%180 days of interest

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Floating-Rate Term Note

This note’s rate may be adjusted monthly based on prevailing market rates and requires a $100 minimum investment. 30- and 60-month terms are available. Investments of $25 or more are accepted throughout the term.

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$10030 months2.250%2.269%120 days of interest
$10060 months2.750%2.778%180 days of interest

IRA Jumbo Note – Floating

MinimumTermRateAPY *Penalty
* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.
$100,00060 months3.250%3.290%180 days of interest

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