march 2013 lcef on the move

March 2013 Dear Friends, Welcome to the March issue of On the Move. As you receive this letter, our congregations are well into the Lenten season and I pray that you are spending this holy season remembering the great love that our Savior, Jesus showed to us by taking upon Himself our sin and the sin of the entire world and atoning for such on the cross. As we near the end of the month, our emotions will again be shaken as we remember the crowd that welcomed Jesus into Jerusalem on Palm Sunday with shouts of “Hosanna! Blessed is He who comes in the name of the Lord!” only to see those shouts turn into cries of “Crucify Him!” only a few days later on Good Friday morning. Fortunately, the story does not end there and the final cry comes after Easter Sunday morning when we can proclaim “He is Risen! Alleluia!” Studies consistently show that more people will attend worship services during the next few weeks than at any time of the year. Most congregations reach their annual attendance peak on Easter Sunday. It is at this time of the year that more people are seeking something than at any time of the year. We know what that “something” is – Jesus. The only question is are we ready to share that knowledge, that faith, with those who do not yet know or believe? Many of our congregations carry on the tradition of using Palm Sunday as a day for the rite of confirmation for those who have been taking instruction in Lutheran beliefs. Whether your congregation uses Palm Sunday or another day for this ancient rite, I pray that all who publicly profess their adherence to what we believe will be blessed in their faith as a result. Much of this issue of On the Move is dedicated to the topic of growth. Lutheran Church Extension Fund (LCEF) continues to grow, as we are blessed by the faithful investors who support our work. More importantly, we seek to use those resources to help congregations and other ministries grow in their effort and determination to reach out and win new souls for the Kingdom. We know that this happens as individuals who are already part of the body of Christ grow in their faith and become bolder in their witness. I pray that as we again remember the passion of our LORD and celebrate His victory over sin, death, and hell on Easter that we would be even more convicted in that faith that has been worked in us by the Holy Spirit and that we would be emboldened to reach out with the Good News that is found only in Jesus Christ to a world that is in such need of what we know to be true. A joyful Easter to each of you! Thank you for your past, present, and future support of the ministry of Lutheran Church Extension Fund. In HIS Service, Dennis Klussman LCEF Vice President

On the Move

Celebrating Growth at Redeemer Lutheran Church – Nixa Campus

Sunday, January 13 was a day for celebration at Redeemer Lutheran Church in Springfield and Nixa as members, guests, and friends gathered to celebrate the dedication of the new sanctuary at the Nixa Campus.

Redeemer Lutheran Church in Springfield opened its Nixa Campus in 2006 and reached a virtual capacity a few years later. Members of both the Springfield campus and the Nixa Campus worked with LCEF’s Capital Funding Services to raise a significant portion of the cost of the building addition and an LCEF provided to remaining funds needed.

LCEF is privileged to partner with congregations such as Redeemer as they continue to grow God’s Kingdom and build the faith lives of those who are part of their ministry.

The Blurb (for use in church bulletins, newsletters, etc.)

This month marks the completion of our remembrance of the Passion of our LORD and we await the celebration of His victory over sin and death at Easter. He has given us a sure and certain hope of eternal life. Unfortunately, many in this world are trapped in the despair of sin and do not know the joy of a relationship with Jesus Christ. Your investment in Lutheran Church Extension Fund provides funds to churches that share this good news in their communities. Call 1-800-THE-LCEF (843-5233) or visit lcef.org for more information.

Did You Know? Did you know that LCEF had 46,633 individual investors (laypeople, pastors, teachers) as of December 31, 2012?

Each of these investors is committed to helping ministries within The Lutheran Church – Missouri grow as they reach out with the Gospel of Jesus Christ in their communities. Becoming an LCEF investor is easy! Call (800) 843-5233 or visit the LCEF website lcef.org for more information. You can reap temporal benefits of a fair rate of return and a record of financial strength and eternal benefits of knowing that your investments help LCMS ministries.

Investors Help Ministries Grow!

Empowering ministries in Kingdom work is what happens through the dedicated investors at Lutheran Church Extension Fund (LCEF). As your investments grow, so do the resources and services that are used to equip ministries in embracing God’s plan and sharing His love. Be part of LCEF, where individuals and ministries come together to grow in the Lord. Learn more at (800) 843-5233 or lcef.org. LCEF

A Place to Grow

http://www.lcef.org

http://www.lcef.org

http://www.lcef.org

Current LCEF Loan Rates

Congregations (Loans Amortized Up To Twenty Years): Annually-Adjusted Loan: 4.250% (Loans > $2 Million Adjusted Monthly) Five - Year Balloon Note 4.750% Ten - Year Balloon Note 5.125% Construction Rate is 1% Higher During Construction Period 1% Loan Origination Fee Rostered Church Worker Mortgage Loans (Loans Amortized Up To Thirty Years): Five Year Adjustable Rate Loan (10% down payment): 2.875% - 3.375% Ten- and 15-year Fixed Rate Loan (10% down payment): 3.125% - 3.625% Final Interest Rate Based Upon Down Payment and Credit History

On The Move A Monthly Newsletter of the Missouri District LCEF

Contacts: Dennis Klussman, District Vice President E-Mail: [email protected] Mailing Address: 660 Mason Ridge Center Drive #100 St. Louis, Missouri 63141 Telephone: (314) 590-6207 For additional information, visit the LCEF website www.lcef.org or call (800)-843-5233.

Dedicated Certificate

Minimum Investment Rate APY

$100 -- 0.250% 0.250%

Custodial accounts for minors: $25

$1,000 -- 0.375% 0.376%

$5,000 -- 0.500% 0.501%

IRA Jumbo Notes (Minimum Investment $100,000)

Rate APY

5 Year Fixed -- 1.625% 1.635%

60 Month Floating

-- 1.175% 1.180%

LCEF StewardAccount access features provided through UMB Bank n.a. The StewardAccount is not available to investors living in South Carolina. LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell LCEF investments, nor a solicitation to buy. LCEF will offer and sell its securities only in states where authorized. The offer is made solely by LCEF’s Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks.

Congregation Endowment Note (5-Year Fixed)


$1,000 -- 1.175% 1.180%

$10,000 -- 1.300% 1.306%

$100,000 -- 1.425% 1.433%

StewardAccount® Certificate


$100 -- 0.250% 0.250%

$1,000 -- 0.375% 0.376%

$5,000 -- 0.500% 0.501%

$10,000 -- 0.750% 0.753%

IRA Dedicated Certificate


$100 -- 0.250% 0.250%

$1,000 -- 0.375% 0.376%

$5,000 -- 0.500% 0.501%

$10,000 -- 0.750% 0.752%

HSA FlexPlus Certificate


$1 -- 0.625% 0.627%

$2,500 -- 1.125% 1.131%

$5,000 -- 1.500% 1.510%

$15,000 -- 2.125% 2.146%

Family Emergency StewardAccount Certificate


$25 -- 0.875% 0.879%

Balances of <$10,000 require monthly electronic investments

Investment Interest Rates

March 2013

Congregation Certificates (Minimum Investment $100)

Rate APY Demand -- 0.250% 0.250% StewardAccount® Certificates

$100 -- 0.500% 0.501% $250,000 -- 0.625% 0.627% $500,000 -- 0.750% 0.753%

$1,000,000 + -- 0.875% 0.879%

Congregation Endowment Note (60-Month Floating)


$1,000 -- 1.175% 1.180%

$10,000 -- 1.300% 1.306%

$100,000 -- 1.425% 1.433%

Cemetery Perpetual Care StewardAccount Certificate

Rate APY

$1,000 -- 0.500% 0.501%

$25,000 -- 0.625% 0.627%

$50,000 -- 0.750% 0.753%

$100,000 + -- 1.000% 1.005%

Floating Term Notes (Minimum Investment $100)

Rate APY 2½ Year (30 Month) -- 0.350% 0.350%

5 Year (60 Month) -- 0.800% 0.802%

Fixed Term Notes (Minimum Investment $500)

Rate APY 6 Month -- 0.125% 0.125% 9 Month -- 0.250% 0.250% 1 Year -- 0.375% 0.376% 18 Month -- 0.500% 0.501%

2 Year -- 0.625% 0.626%

3 Year -- 0.875% 0.878%

5 Year -- 1.250% 1.256%

800-843-5233 lcef.org

10733 Sunset Office Drive

Suite 300 St. Louis, MO 63127

march 2013 lcef on the move

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