Accomplish Your Ministry and Financial Goals with LCEF

Share the Gospel, save for the future and use your blessings wisely. All accomplished in one place.

Lutheran Church Extension Fund (LCEF) investments earn a competitive interest rate while making funds and ministry support services available for ministries and rostered church workers of The Lutheran Church–Missouri Synod (LCMS).

Through the dollars invested by more than 50,000 individuals, congregations, schools, organizations and businesses, capital and resources specific for the unique needs of the LCMS are available now and for future generations.

To learn more about your investment options, visit, or contact Jeffrey Maltz, District Vice President, at or 785-230-4112.

Investment Options

For new LCEF investors age 18 and up

$500- $50,000 2-year term: 2.500% rate; 2.524% APY

Over $50,000: 1.750% rate; 1.762% APY

Not available for IRA or Support Dollar investments
Minimum investment: $500

Term note for existing investors 18 and up

$500- $50,000 2-year term: 2.000% rate; 2.015% APY

$500-$50,000 4-year term: 2.500% rate; 2.524% APY

Over $50,000: 2 & 4-year terms:1.750% rate; 1.762% APY

Minimum investment: $500

For building easy-access funds

0.750% rate; 0.753% APY

Based on a minimum balance of $25

For young investors, 18 and under

$25-$1,000: 2.000% rate; 2.018% APY

Over $1,000: 0.750% rate; 0.753% APY

Five-year fixed-term note

2.500% rate; 2.524% APY

Minimum investment: $100,000
New or existing dollars; can open multiple accounts

*Rates as of August 1, 2022. Balance restrictions apply. Rates subject to change.

LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. LCEF will offer and sell its securities only in states where authorized. The offer is made solely by LCEF’s Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks. LCEF StewardAccount access features provided through UMB Bank n.a. The Demand/Dedicated Certificate and Steward Account are not available to investors in South Carolina. The Family Emergency StewardAccount is known as the Family Steward Account in Ohio. ConnectPLUS is not available to investors in Ohio and Pennsylvania.

Jeffrey Maltz
LCEF Vice-President, Kansas and Oklahoma
Fax: 785-357-5071