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Rostered Church Worker (RCW) Loans

LCEF Loans, Allowing RCWs More Time for the Ministry

LCEF is also proud to offer, to Commissioned or Ordained Ministers of The Lutheran Church—Missouri Synod on active or emeritus status, residential loans to purchase or refinance primary, single-family residences; consolidation loans for education, credit cards, taxes, medical expenses, auto repairs, etc.; and home equity loans to allow the borrower to use the equity in their home as collateral for a loan. State disclosures are available here.

Eligibility Guidelines for an LCEF RCW Loan
For More Information, Select a Program Below

To be eligible for an LCEF RCW loan, the primary applicant must:

  • Be a commissioned or ordained minister of the LCMS on active or emeritus status. (Note: Certified lay church workers and individuals currently on candidate status are not eligible to participate in this program).
  • Reside in a U.S. state that has given approval to LCEF to fund Loans to rostered church workers. A list of approved and non-approved state are available here.

RCW Residential Loan

RCW Home Equity Loan

RCW Consolidation Loan

RCW Loans FAQs
RCW Loan Forms
RCW Loan Brochures

Rostered Church Worker Consolidation Loan Application

Rostered Church Worker Credit Authorization

Rostered Church Worker Home Equity Loan Application

Rostered Church Worker Residential Loan Application

Search our literature rack for additional forms.

Rostered Church Worker Debt Consolidation Loan Program Brochure

Rostered Church Worker Home Equity Loan Program Brochure

Rostered Church Worker Residential Loan Program Brochure

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.