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StewardAccount

Easy Access to Invested Funds Used to Support the Ministry

An LCEF StewardAccount is similar to a money market account with many additional benefits and features. LCEF offers free check writing with monthly statements, as well as an optional VISA® ATM/ Check Card option and an Electronic Funds Transfer option. * LCEF invested funds earn competitive market rates.

In addition, check card transactions, made without entering a Personal Identification Number (PIN), generate additional funds for LCEF world ministries!

An application and Offering Circular are available. Please call 1-800-843-5233 to consider including LCEF and the StewardAccount in your personal investment strategy.

Features of the LCEF StewardAccount
Interest-Bearing Investment
Free Check-Writing Privileges
  • $100 minimum investment to open account.
  • Interest compounded and paid monthly at month end.
  • Tiered interest rates that rise as your balance grows.
    • Tier 1 = $999 or less
    • Tier 2 = $1,000 - $4,999
    • Tier 3 = $5,000 - $9,999
    • Tier 4 = $10,000 or more
  • Variable interest rates adjusted monthly.
  • Initial quantity of checks provided FREE; replacement orders competitively priced.
  • Minimum amount per check is $250.
  • Unlimited number of checks per month.
  • No monthly maintenance or membership fees.
  • Cancelled checks truncated and held by UMB Bank for safekeeping.
  • Fees may be charged for customer-initiated special service requests.
VISA ATM/Check Card (optional)
Electronic Funds Transfer (optional)
  • ATM/Check card; works like a plastic check (no line of credit).
  • No LCEF or VISA usage or maintenance fees; retailers and ATM owners may assess usage fees.
  • Special ministry revenue is generated on product purchases that do not involve entering a Personal Identification Number, (PIN).
  • Electronic investment and payment options.
  • Investor-initiated service.
  • No charge transfer of funds to or from LCEF StewardAccount.
  • No monthly maintenance or membership fees.

Note: The StewardAccount is not available to investors living in South Carolina, per the state’s offering circular.

* StewardAccount access services are offered through UMB Bank, n.a.
StewardAccount Forms
StewardAccount Brochures

Investment Application - Individual

StewardAccount Transfer Request Form

Search our literature rack for additional forms.

Special Service Fee Notice

StewardAccount Brochure

StewardAccount®. Put the Almighty Back in the Almighty Dollar.

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Have a question?
Contact your local LCEF District Vice President, contact LCEF directly at Contact Us, or call the Lutheran Church Extension Fund at 1-800-843-5233, 7:45 a.m. - 4:15 p.m., CT, Monday through Friday.
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. The offer is made solely by LCEF’s Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks.