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. You can download an application today.


Self-Supporting Congregations

Loans smaller than $250,000 can be approved in 72 hours or less after receipt of:

  • A completed and signed loan application
  • Financial statements for past five years
  • Copies of parochial reports for past four years (may be omitted if reports were filed with International Center – LCMS)
  • Financial statements for current year-to-date
  • Budget for current year

A complete loan application is required for larger construction projects and other loans larger than $250,000. These loan requests are approved by the Board for Church Extension.

To get started, contact our Executive Director, Becca Jones, at 512-646-2749 or at Jones@TexasCEF.org

Loans for Missions

The Texas Board of Mission Administration and Church Extension Fund of our District identifies areas ripe for harvest and opens new mission stations, Church Extension is there to make available the funds needed to provide land and facilities where the Gospel can be preached and taught.

Other Loans

Texas CEF makes loans to congregations for a variety of other purposes, including:

  • Refinance Existing Debt
  • Buses, Vans, etc.
  • Office Equipment & Computers
  • Lines of Credit
  • Facility Renovation & Repairs

Calculate Loan Payments

Rates and Forms

Important Forms and Publications for Borrowers

Click on one of the forms below to download it. Our typeable forms can be filled out using a PDF reader such as Adobe Reader. Print, sign, and mail completed forms to us at:

Texas CEF
7900 East Highway 290
Austin, TX 78724-2499

Click here for a complete list of forms.

Current Rates

CEF strives to keep our loan rates as low as possible for the benefit of our borrowing congregations. We have a strong track record of rates that are competitive with banks and other lenders, and often lower. Read about our rebates for ways you can help make your congregation’s loan rate even lower.

Self-Supporting Congregations 3.50%
Newly Formed Congregations* 2.75%
*This index is available during the
first six years of a congregation’s loan.


A Partnership Between Congregations, Members & CEF

Supporting investments from individuals, congregations and other entities provide the funds for CEF to make loans to congregations. Each investor may designate a congregation to receive credit for their invested dollars. Investments are not pledged for any congregation’s CEF loan.

The level of supporting investments is one indication of the strength of the partnership between CEF and the borrowing ministry. The stronger the level of partnership, the better for each partner.

Because investments are important to its ongoing ministry, CEF has established economic incentives to recognize the level of support and partnership. Rebates are available based on your congregation’s ratio of investments to unpaid loan balance.

For more information, download our Incentive Rebate Plan (PDF) or contact us.

My Texas CEF

What is My Texas CEF?

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.

My Texas CEF promotes the good stewardship of resources. By using this financial service, you help us reduce administrative costs, which in turn allow us to keep loan rates to churches as low as possible. Enjoy the ease and convenience of accessing your Texas CEF investment information—anywhere you have Internet access!

Highlights Include:

  • View real time transactions
  • View history and balances
  • Make loan and principal payments
  • Purchase new investments
  • Set up electronic funds transfers

Enroll Now

Congregations and organizations must complete the Organization Enrollment Form to apply for online access. Mail the completed form to:

7900 E Hwy 290, Austin, TX 78724

Once Texas CEF receives the enrollment form, a My Texas CEF personalized Activation Code will be issued by Texas CEF. The applicant will be notified by phone. Upon setup, the applicant authorized and empowered by the organization to act on its behalf will be granted access privileges as indicated on page two of this request. Texas CEF will contact the applicant by phone to complete enrollment.