LCEF offers a wide array of investment opportunities to help LCMS members, congregations, and organizations meet their savings and investment goals while supporting the overall mission and ministry of the Church through their loans and related services.

Investments in LCEF serve a dual purpose: to earn a fair rate of return for investors and to provide low-cost loans to LCMS ministries that wish to spread the Good News of Jesus.  Your dollars (invested or gifted) also earn the “ministry dividend” the return you receive knowing that your dollars are helping ministries support the Great Commission.

Investment opportunities include:

• StewardAccount® (Easy Access Savings)
• Dedicated Savings Certificates
• Term Notes (Fixed and Floating Rates)
• Growth Certificates
• IRAs (Traditional, Roth, Coverdell Education Savings Accounts)
• Congregational StewardAccount®
• Congregational Demand
• Congregational Endowment Notes (Fixed and Floating Rates)

• Monthly investment rates

The information available through the LCEF webpage is neither an offer to sell nor a request to buy any investments.  This offer is made only in the Offering Circular.