Why Texas CEF?

Invest with Texas CEF

We offer investments to fit everyone: individuals, congregations, and kids too! Review our competitive rates and download an application to get started. 

Loans for Congregations

We provide funds to LCMS congregations throughout Texas to build or expand churches and schools. Our friendly staff can help your congregation get a loan with a competitive low interest rate.

Secure Online Service

My Texas CEF is a free secure online service in which investors and borrowers can quickly access Texas CEF investment and loan information, as well as set up transactions.

Make a Difference

Know that your investment with Texas CEF helps to build churches throughout Texas. Stay updated on current projects through our newsletters and photo albums.

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Texas Church Extension Fund

Investment Rates

Rainy Day Fund

%0.750-1.000
Ideal for saving regularly

  • $25 minimum balance

  • $25  minimum monthly EFT required

  • Premium rate up to $10,000

Invest

Flex Savings

%0.750
A great short-term investment

  • $10 minimum balance

  • Invest or withdraw anytime without penalty

  • Works with K.I.D.S Stamps

Invest

Fixed Rate

%1.250-1.750
A stable option

  • $500 minimum investment

  • 1-year, 3-year, and 5-year terms available

  • No additions

Invest

Floating Rate

%1.125-1.375
A flexible option

  • $500 minimum investment

  • 1-year, 3-year, and 5-year terms available

  • Add $25 or more anytime

Invest

Individual Retirement Accounts

%0.750-1.750
Any Texas CEF investment may be included in an IRA portfolio

  • We offer Traditional IRAs, Roth IRAs, ESA's, SEP's, and SIMPLE plans

Invest

Congregation Savings

%1.000
Perfect for short-term investments

  • Variable interest rate

  • Invest or withdraw anytime without penalty

Invest

Building Fund

%2.000
For congregations saving for a building project

  • Variable interest rate

  • Withdrawals for building projects may be made at any time

Invest

Meet the Texas CEF Staff

Becca Jones
Executive Director
Pam Herber
Director of Operations
Raelyn Pracht
Marketing Specialist
Debbie Potter
INVESTOR SERVICES REPRESENTATIVE
Kenda Zawadzki
INVESTOR SERVICES REPRESENTATIVE
Joan Zieschang
INVESTOR SERVICES REPRESENTATIVE
Ruby Cruz
LOAN ADMINISTRATOR
Cheryl Springer
Financial Clerk

Latest News

Construction

Taking Time to Say Thank You

My favorite artist is Vincent Van Gogh. I love the way he experimented with shades of the same color. Very late in his life, he completed the work “Still Life: …

Construction / School

Building for the Future

Enjoy the latest construction update from Steven Cashio, Business Manager at Zion Lutheran Church and School in Walburg.  What a wonderful example of your investments at work! The speed of …

Read Our Blog
We are here for you

Contact Us

Our staff offer support by email, phone, and in-person. Office hours are Monday through Friday, 8:00 a.m. to 4:00 p.m. Please call for an appointment.

See our Contact page for additional contact information.



Texas District Church Extension Fund

7900 E US 290, Austin, TX 78724
512-646-1233
invest@texascef.org
512-535-1605