Investments / Rates

Investments Facebook cover image choir, stained glass, and Your investment will empower ministry.

LCEF investments help you meet your personal investment goals while forging a unique bond with the
LCMS ministries. 
You can earn competitive rates of interest, retain ownership of investment balances and maintain accessibility of funds.

PERSONAL INVESTMENTS

From fixed rate to term notes to interest bearing, no-fee investments, you can support ministry with everyday financial transactions.

  • Young Investors Club (Y.I.) – Help young investors save for the future while helping others.
  • Dedicated Certificate – A flexible investment with tiered interest rates for long-term goals.
  • StewardAccount®  – A flexible interest-bearing investment with checks and debit card.
  • Family Emergency – Save for emergencies with systematic deposits and access your funds when you need them.
  • Term Note – When you need to achieve an investment goal by a specific date, choose a fixed- or floating-rate note for a term of six months to five years.
  • Health Savings Account (HSA) – Set aside funds to pay for qualified medical expenses for your high-deductible health plan.

MINISTRY INVESTMENTS

Invest for daily operations, projects, endowments and youth groups.

  • Demand Certificate – Build your organization’s capital fund with a competitive interest rate while allowing maximum flexibility.
  • StewardAccount® – An interest-bearing investment with convenient access to your funds.
  • Cemetery Care StewardAccount®– A specialized StewardAccount with tiered interest rates.
  • Term Note – Choose a fixed- or floating-rate note for a term of six months to five years.
  • Endowment Certificate – Congregations and RSOs can invest for special organizational needs with a fixed maturity date.

BUSINESS INVESTMENTS

Invest for daily operations, capital equipment or projects, health-care or retirement plans.

  • Dedicated Certificate – Consider a Dedicated Certificate when you want to combine flexibility with long-term investment.
  • StewardAccount® – An interest-bearing investment with convenient access to your funds.
  • Term Note – Choose a fixed- or floating-rate note for a term of six months to five years.

RATES

View the current interest rates for all LCEF Investments.