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Congregation Demand Certificate

Penalty Free Investment Redemptions

LCEF Congregation Demand Certificates allow for an unlimited number of investments with floating interest rates, that adjust the first of each month, and accumulate interest within the investment.

Features of Congregational Demand Certificates
  • A minimum $100 investment
  • Floating interest rates that adjust the first day of each month
  • Unlimited number of investments; penalty-free redemptions
  • Principal and accumulated interest payable at any time upon 30 days’ written notice

To answer your questions about LCEF Investments go to our FAQ’s.

Click here to view the current rates.

Note: Not available to investors living in South Carolina, per those state’s offering circulars.
Congregation Demand Certificate Forms
Congregation Demand Certificate Brochures

Investment Application Organization

Search our literature rack for additional forms.

Search our literature rack for additional brochures.
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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.