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Vanda Toner

National Servant Partner

Lutheran Church Extension Fund (LCEF) is a national servant partner of The Lutheran Church–Missouri Synod and the Northern Illinois District. Your district LCEF is committed flourshing in Our life together by multiplying churches and their ministry of Word and Sacraments.

Serving People, Ministries, Businesses to help you:


  • Personal: residential, consolidation, home equity, education
  • Ministry: congregation, school association, RSO/organization, natural disaster assistance


  • Personal: pastor coaching
  • Ministry: VisionPath, Capital Funding Services, Laborers for Christ, Architectural Advisory Committee, Demographics, Grants
  • Stewardship: Joyful Response, Young Investors, Consecrated Stewards, Bible Study


  • Personal: Young Investors Club, StewardAccount, Term Notes, Dedicated Certificates, Retirement Account, Health Savings Account
  • Ministry: StewardAccount, Ministry Term Notes, Demand Certificates
  • Business: Steward Account, Business Term Notes, Dedicated Certificates

Helpful information

January 2019 – Investment Interest Rates

Special Limited-time Opportunity
At Lutheran Church Extension Fund (LCEF), we thank our investors as we celebrate 40 years of ministry. To meet future loan demand and help support growing ministry opportunities, we need to raise an additional $100 million to be able to continue serving the needs of ministries.

Which is why we invite you to a special, limited-time instrument opportunity: our 40-month 40th anniversary note at 4%, $500 minimum to open, $40,000 maximum per note. Visit lcef.org/40month or call 800-843-5233 to learn more.   Print flyer

Grow Your Community – NID grant application

National website for information on all products and services

Kaleidoscope Fund application

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