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


Shared Blessings Sunday in St. Cloud

It was Shared Blessings Sunday on Oct. 11, 2015 at Holy Cross Lutheran Church in St. Cloud, Minnesota. A Shared Blessings Rebate allows eligible congregations like Holy Cross to receive annual funds back for ministry.

Holy Cross Young Investors (Y.I.) Club Stamp Coordinator Teri O’Connor and Minnesota North District Lutheran Church Extension Fund (LCEF) Vice President George Miller (photo right) staffed a table to help raise awareness of the rebate program. The congregation needs 31 new LCEF investors to qualify for their first level of the rebate.

Holy Cross received an LCEF loan  in 2013 to refinance their mortgage and repair their organ. LCEF loan funds are made possible thanks to individuals and organizations who have LCEF investments.

Today, this congregation of more than 1,000 baptized members is sharing the opportunity to invest in the same ministry, LCEF, which helped them with a loan when they needed it back in 2013.

LCEF investment opportunities at Holy Cross include a Y.I. StewardAccount®  for young people ages birth to 18 years. O’Connor coordinates the Y.I. Stamp program at church so young people can practice saving for future needs by purchasing stamps each week for as little as one dollar at a time. When the Y.I. stamp sheet is completed, the sheet is valued at $25-giving young investors enough money to become a Y.I. Club member and open a Y.I. StewardAccount which earns 3.5% (Oct. 2015) up to $1,000 invested. Y.I. Club members can also earn up to $50/year for good grades and community service. See LCEF's offering circular and complete investment details at

Over the years, thousands of children have purchased stamps and invested nearly a million dollars with LCEF. They learn that they can have a direct impact on growing God's kingdom while saving for their own futures too. There are also many LCEF investments available for adults including ConnectPLUS for new investors, PartnerPLUS and a Family Emergency StewardAccount. Learn how you can become an important part of this ministry and help fund Lutheran Church—Missouri Synod (LCMS) churches and schools at