Need LCEF forms, literature, or general information?
Current Investment Rates

Our goal is to provide consistently competitive interest rates. All LCEF interest rates are set monthly, based on regional and national rates published by the Bank Rate Monitor™.

At the time of your investment maturity, please continue your commitment in LCEF.

“Here is the church ...

Through your investment support, LCEF loans dollars to local Lutheran Church—Missouri Synod churches, schools, child care centers, and more!

You are a key partner in making a difference for the future of the Church.

... see all the people.”

View Printer Friendly

Investment Rates Minimum Term
Term Notes - Fixed Rates $500.00 6 Months
$500.00 9 Months
$500.00 1 Year
$500.00 18 Months
$500.00 2 Years
$500.00 3 Years
$500.00 5 Years
$500.00 6 - 10 Years
$500.00 11 - 15 Years
$500.00 16 - 20 Years
Term Notes - Floating Rates $100.00 30 Months
$100.00 60 Months
StewardAccount® Rates
(Not available for IRAs)
 $100.00 ---
$1,000.00 ---
$5,000.00 ---
$10,000.00 ---
Family Emergency Investment $25.00 ** ---
Dedicated Certificates
(Not available for IRAs)
(Minimum for minor accounts $25)
 $100.00 ---
$1,000.00 ---
$5,000.00 ---
April Rate April APY *
1.250% 1.256%
1.375% 1.382%
1.500% 1.508%
1.750% 1.762%
1.875% 1.888%
2.000% 2.015%
2.750% 2.778%
2.875% 2.906%
3.125% 3.162%
3.375% 3.418%
1.760% 1.772%
2.400% 2.422%
0.625% 0.627%
0.750% 0.753%
1.125% 1.131%
2.250% 2.273%
2.625% 2.657%
0.500% 0.501%
0.625% 0.626%
0.750% 0.752%
May Rate May APY *
1.125% 1.130%
1.250% 1.256%
1.375% 1.382%
1.625% 1.635%
1.750% 1.762%
1.875% 1.888%
2.625% 2.651%
2.750% 2.778%
3.000% 3.034%
3.250% 3.290%
1.700% 1.711%
2.360% 2.381%
0.625% 0.627%
0.750% 0.753%
1.125% 1.131%
2.125% 2.146%
2.500% 2.529%
0.500% 0.501%
0.625% 0.626%
0.750% 0.752%
Congregation Investment Rates Minimum Term
StewardAccount® Rates $100.00 ---
$250,000.00 ---
$500,000.00 ---
$1,000,000.00 ---
Congregation Demand Rates $100.00 ---
Cemetery Perpetual Care Investment $1,000.00 ---
$25,000.00 ---
$50,000.00 ---
$100,000.00 ---
5-Year Fixed-Rate Cong Endowments $1,000.00 5 Years
$10,000.00 5 Years
$100,000.00 5 Years
60-Month Floating-Rate Cong Endowments $1,000.00 60 Months
$10,000.00 60 Months
$100,000.00 60 Months
April Rate April APY *
2.250% 2.273%
2.375% 2.401%
2.500% 2.529%
2.625% 2.657%
1.250% 1.256%
2.125% 2.146%
2.375% 2.401%
2.625% 2.657%
2.875% 2.913%
2.775% 2.804%
2.900% 2.932%
3.025% 3.059%
2.775% 2.804%
2.900% 2.932%
3.025% 3.059%
May Rate May APY *
2.125% 2.146%
2.250% 2.273%
2.375% 2.401%
2.500% 2.529%
1.125% 1.130%
2.000% 2.018%
2.250% 2.273%
2.500% 2.529%
2.750% 2.785%
2.735% 2.763%
2.860% 2.891%
2.985% 3.019%
2.735% 2.763%
2.860% 2.891%
2.985% 3.019%
Exclusive IRA Investment Products Rates Minimum Term
Jumbo Fixed-Rate Notes $100,000.00 5 Years
Jumbo Floating-Rate Notes $100,000.00 60 Months
Dedicated Certificates $100.00 ---
$1,000.00 ---
$5,000.00 ---
$10,000.00 ---
April Rate April APY *
3.125% 3.162%
2.775% 2.804%
0.625% 0.626%
0.750% 0.752%
1.125% 1.130%
2.250% 2.269%
May Rate May APY *
3.000% 3.034%
2.735% 2.763%
0.625% 0.626%
0.750% 0.752%
1.125% 1.130%
2.125% 2.142%
HSA FlexPlus Certificates Rates Minimum Term
HSA FlexPlus Certificates
$100.00
 ---
$2,500.00 ---
$5,000.00 ---
$15,000.00 ---
April Rate April APY *
2.250% 2.273%
2.750% 2.785%
3.250% 3.299%
3.750% 3.815%
May Rate May APY *
2.125% 2.146%
2.625% 2.657%
3.125% 3.170%
3.625% 3.686%

For more information or to obtain an LCEF Offering Circular, call 1-800-843-5233. You also may request an Offering Circular online. Your request will be processed by the next business day.

* APY is the annual percentage yield, representing the effective rate of interest when all principal and interest payments are retained in the investment balance.

** Electronic investments required on at least a monthly basis until the balance reaches $10,000.00.
Investment Forms
Investment Brochures

Investment Application Organization

Search our literature rack for additional forms.

Search our literature rack for additional brochures.
Back To Top
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.