Find out here if you are a Rostered Church Worker (RCW).

LCEF is pleased to offer residential, consolidation and home equity loans to LCMS ordained ministers (active or emeritus status) and rostered commissioned teachers, Directors of Christian Education, Directors of Christian Outreach, etc.

Residential Loans

LCEF offers the benefit of low down payments and no private mortgage insurance requirements for rostered church workers on residential purchase or refinance of single-family residences.

Consolidation Loans

This program is designed to lend personal financial management assistance and to help consolidate debt such as education, credit cards, taxes, medical expenses, auto repairs, etc. into one monthly payment.

Home Equity Loans

LCEF’s Home Equity Loan Program is designed to lend personal financial assistance to LCMS rostered church workers using the equity in their homes as collateral for a loan.