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for: LoginLog In Loans Personal Residential Loans Home Equity Loans Consolidation & Education Loans Ministry Congregation Loans School Association Loans Organization/RSO Loans Ministry Improvement Loan Resources State Disclosure Privacy Policy District Vice Presidents Homebuyer’s Hub Get Started Why LCEF? Loan Rates Ministry Solutions Congregations Ministry Clarity Stewardship Capital Campaigns Recognized Service Organizations (RSO) Ministry Clarity Development Capital Campaigns Worker Wellness Grace Place Wellness Get Started Ministry Moments Why Ministry Solutions? Investments Personal StewardAccount Gold Tier StewardAccount Term Notes Young Investors Retirement Account Health Savings Account Church Worker Loan Pool Ministry StewardAccount Gold Tier StewardAccount Ministry Term Note Online Giving / Joyful Response Church Worker Loan Pool Business StewardAccount Gold Tier StewardAccount Business Term Note Church Worker Loan Pool Get Started Why Invest? Investment Interest Rates Check/Card Agreement Real Estate Solutions Login 800-843-5233 Invest NowGiving Give Now Planned Giving Shared Interest Program Resources Districts Contact LCEF Get Started Invest now Discover a Gratifying Way to Make Your Investments Work Twice As Hard Investing has its advantages. Grows wealth. Beats inflation. Protects you from large, unforeseen expenses. Preserves you from breaks in employment. It allows you to retire comfortably. The advantages are endless. But here’s one more you might not have thought about: investing can also strengthen the church. Our Rates 4.0% 12 month 5.0% 18 month 3.0% Church Worker StewardAccount View all rates Individual Church Worker Church School RSO Individual Investments For lay members of The Lutheran Church—Missouri Synod (LCMS) seeking to align their investments and values, LCEF offers a pathway to both financial growth and spiritual stewardship. Through LCEF’s investment options, you can actively contribute to the sustainability and strengthening of LCMS ministries while earning a competitive rate. Whether you choose to invest in a term note, StewardAccount, individual retirement account (IRA) or another investment opportunities, your partnership with LCEF ensures that your financial choices play a pivotal role in spreading the Gospel. With LCEF, your investments become a testament to your commitment to both your personal goals and the mission of the church. Church Worker Investments When you invest with LCEF, you can rest easy knowing your money is supporting LCMS ministries while you earn a great rate. LCEF offers the Church Worker StewardAccount, designed with your future and your ministry in mind. Or you can also invest in a term note, with a variety of rates and durations. Either way, you’re helping sustain and strengthen LCMS ministries share the Gospel. RCW Residential Loans At LCEF, we understand the unique financial needs of church workers. That’s why we offer mortgages and home equity loans to Lutheran Church—Missouri Synod (LCMS) rostered church workers, tailored specifically to your financial needs as a called worker of the LCMS. LCEF provides accessible and flexible financing solutions to support the needs of those dedicated to serving the church. Church Investments An investment with LCEF is an investment in the future: the future of your church and that of LCMS churches like yours. Whether you need easy access to your funds or have a sum of money you can invest in a term note, LCEF offers your congregation a options when it comes to investing. Either way, your investment will play a critical role in supporting, sustaining and strengthening LCMS ministries just like yours. Church Loans Discover financing solutions for your church with LCEF’s congregational loans. Whether you’re acquiring property, embarking on a construction project, renovating existing facilities or planning much-needed repairs, LCEF stands ready to support the mission of churches large and small with tailored financial assistance. Ministry Solutions Empower your church’s journey towards clarity, stewardship and impactful capital campaigns with LCEF. Through our Ministry Clarity process, LCEF guides your leadership in discerning God’s vision for your congregation, ensuring confidence and purpose in every step. With a focus on stewardship, we help you engage your members, fostering a culture of faithful stewardship and active involvement in your ministries. Partnering with LCEF for capital campaigns, your congregation embarks on a fulfilling three-year journey of expansion and stewardship, tailored to your unique identity and guided by Christ-centered principles. Real Estate Solutions Real Estate Solutions works with congregations and Recognized Service Organizations (RSOs) to foster ministry by meeting human needs and positively enhancing communities while creating alternative sources of revenue to support ministry. With LCEF’s expert real estate team, ministries thrive and meet the needs of their communities. School Investments What if your school’s finances could earn your ministry a competitive rate while supporting other LCMS schools, like yours? We call that, Lutherans helping Lutherans, And LCEF offers several ways you can assist your brothers and sisters in Christ. With a StewardAccount, your funds are liquid, allowing you to manage your ministry’s day-to-day finances. If you have a sum of money you’re saving for a large project, LCEF offers term notes with a range of rates and durations. Either way, you can be sure your funds are contributing to the spread of the Gospel at LCMS ministries. School Loans Unlock financial solutions tailored to your school’s vision with a loan from LCEF. Whether you’re investing in new facilities, upgrading technology or enhancing educational programs, LCEF is committed to partnering with you to realize your school’s goals. From property acquisitions to campus expansions, LCEF provides personalized financial support that empowers your institution to thrive and serve its community with excellence. Ministry Solutions Forge a path of educational excellence and spiritual growth for your school with Ministry Solutions. Our tailored approach begins with discerning God’s vision for your institution through our Ministry Clarity process, ensuring alignment between mission and strategy. From fostering stewardship to guiding capital campaigns for facility expansions or renovations, Ministry Solutions empowers schools to fulfill their calling with confidence and purpose. LCEF’s Ministry Solutions is ready to partner with you to advance both academic excellence and spiritual formation within your educational community. Real Estate Solutions Empower your school’s real estate endeavors with LCEF’s Real Estate Solutions (RES). The RES team understands the unique needs and challenges facing Lutheran schools. From strategic portfolio discussions to navigating property transactions and development opportunities, RES partners with your school to align real estate strategies with your educational mission. Whether you’re considering facility expansions, addressing deferred maintenance or exploring opportunities for growth, RES stands ready to support your school in stewarding its assets and advancing its mission. RSO Investments Recognized Service Organizations (RSOs) investing in term notes or maintaining a StewardAccount with LCEF provide vital capital that supports both their operations and LCMS ministries seeking to grow and expand. So when you invest your ministries finances with, LCEF, we’re able to further support, sustain and strengthen RSOs just like yours. RSO Loans Empower your Recognized Service Organization (RSO) to share the Gospel with LCEF’s specialized financing solutions. Whether you’re expanding services, upgrading facilities or launching new programs, LCEF is dedicated to providing customized financial assistance that aligns with your RSO’s unique needs. With our support, your organization can continue to make a...