LUTHERAN CHURCH EXTENSION FUND
INVESTMENTS
 
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Cemetery Perpetual Care StewardAccount®
Let‘s Get Started!
Complete an Application.

For LCMS Congregational Cemetery Funds

These investment dollars are designated for the improvement, maintenance, management, control and long-term operation of a congregation’s cemetery. The Cemetery Perpetual Care StewardAccount offers easy access to the invested funds and pays competitive market rates.

It offers free check writing, optional VISA® Check Card and Electronic Funds Transfers*, and check card transactions.

An application and Offering Circular are available.

Features of the Cemetery Perpetual Care StewardAccount
Free Check-Writing Privileges
Interest-Bearing Investment
  • Initial quantity of checks provided FREE; replacement orders competitively priced.
  • Minimum amount per check is $250.
  • Unlimited number of checks per month.
  • Cancelled checks truncated and held by UMB Bank for safekeeping.
  • $1,000 minimum investment to open account.
  • Interest compounded and paid monthly at month end.
  • Monthly statements provided.
  • Tiered interest rates that rise as your balance grows; comparable to money markets.
    • Tier 1 = Less than $25,000
    • Tier 2 = $25,000 - $49,999
    • Tier 3 = $50,000 - $99,999
    • Tier 4 = $100,000 or more
  • Variable interest rates adjusted monthly.
  • No monthly maintenance or membership fees.
  • Fees may be charged for customer-initiated special service requests.
VISA Check Card (optional)
  • No LCEF or VISA usage or maintenance fees; retailers and ATM owners may assess usage fees.
  • Special ministry revenue is generated on product purchases that do not involve entering a Personal Identification Number, (PIN).
Electronic Funds Transfer (optional)
  • Electronic investment and payment options.
  • Investor-initiated service.
  • No charge for transfer of funds to or from LCEF StewardAccount.
 
Need to Make a Change to an Existing Account
To make a change to an existing account, please call the Lutheran Church Extension Fund at 1-800-843-5233, 7:45 a.m. - 4:15 p.m., CT, Monday through Friday.

Note: The Cemetery Perpetual Care StewardAccount is not available to congregations in South Carolina, per the state’s offering circular.

* StewardAccount access services are offered through UMB Bank, n.a.
Organizational Cemetery Perpetual Care Forms
Organizational Cemetery Perpetual Care Brochures

Investment Application Organization

Search our literature rack for additional forms.

Search our literature rack for additional brochures.
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Have a question?
Contact LCEF directly, or call the Lutheran Church Extension Fund at 1-800-843-5233, 7:45 a.m. - 4:15 p.m., CT, Monday through Friday if you have any questions or requests.
LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. The offer is made solely by LCEF’s Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks.