Lutheran Church Extension Fund (LCEF) is a unique ministry-through-investment organization that offers Lutheran Church—Missouri Synod members the opportunity to invest their money, earn interest, and help build LCMS churches and schools at the same time.

LCEF - Central Region serves Lutheran Church—Missouri Synod organizations and members in Iowa, Minnesota, Missouri, Nebraska, North Dakota, South Dakota and Wisconsin. Learn more about LCEF at


Give an extraordinary gift

Having trouble finding that perfect gift for your grandchild? Want to connect with a younger generation?  Lutheran Church Extension Fund (LCEF) now offers the Young Investors (Y.I.) Club to help children and teens save for the future and learn about using money as a gift from God. For as little as $25.00, the Y.I. Club is a great gift for ages birth to 18 years old!

Print a homemade card.

Print a homemade card.

How do I gift a Y.I. StewardAccount?

  1. Fill out and print the LCEF FAST FORM investment application or print the detailed paper Y.I. application.
  2. Write a personal check (for $25 or more) made out to "LCEF" for the opening investment of a Y.I. StewardAccount
  3. Enclose both application and check in gift or card. FREE printable 'homemade' Christmas gift card available at

Y.I. StewardAccount Features:

  • Minimum of $25 to open account
  • Earn extra credit for good grades! up to $25/calendar year (ages 7-18)
  • Earn extra credit for community service! $25/10 hours/calendar year (ages 13-18)
  • Child receives milestone gifts at each age level 
  • Debit card available at age 16
  • Interest compounded & paid monthly
  • Make additional investments with EFT, personal checks or Y.I. Stamps 

For more information, visit