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Term Notes (Individuals and Congregations)

Offering Fixed-Term or Floating-Term Rates

LCEF offers fixed-rate term notes for a $500 minimum investment and floating-rate term notes for a $100 minimum investment.

Fixed-Rate Term Notes
Floating-Rate Term Notes
  • Minimum $500 investment.
  • Interest rates remain fixed throughout the term and are based on rates of similar investments published in the Bank Rate Monitor™.
  • Available Terms:
    • Six-Month Term
    • Nine-Month Term
    • One-Year Term
    • Eighteen-Month Term
    • Two-Year Term
    • Three-Year Term
    • Five-Year Term
    • Six-Year Term - Twenty-Year Term
  • Minimum $100 investment.
  • Interest rates adjust monthly based on rates of similar investments published in the Bank Rate Monitor™.
  • 30-month and 60-month terms available.
  • Additional investments of $25 or more accepted throughout the term.

To answer your questions about LCEF Investments go to our FAQ’s.
Term Notes Forms
Term Notes Brochures

Investment Application - Individual

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.