Learn more about our investment opportunities.

Our Service Area and Qualifications

Our charter allows us to sell investment products only to people associated in some way with the Lutheran Church Missouri Synod and to sell only in the Southern District of the LCMS, which includes Louisiana, Mississippi, Alabama, and the panhandle of Florida.

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Prospectus/Offering Circular

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Application for Investing

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Save By Mail

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Y.E.S Youth Accounts

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Investment Notes

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Debentures

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The Southern District CEF offers three saving programs:

  • Save-By-Mail: Minimum deposit is $25.00. Pays 1.25% (annual rate) based on the daily average balance of the previous quarter.
  • Young Elite Savers (YES): Restricted to persons under the age of 18. Pays 3.0% (annual rate) on the first $3,000 deposited. The remaining balance earns 1.25%.
  • Stamp Savings: Stamps are issued in $1.00 denominations and sold in sheets of $25.00. These may be redeemed upon demand for cash or deposited to open an account. Stamps earn zero interest until deposited into an interest-bearing account. Save-By-Mail, Young Elite Savers, and Saving by Stamp have no penalty for withdrawals or redemptions. Each time a deposit or withdrawal is made, a receipt is sent for your records. The bottom half of the receipt is used as a withdrawal and/or deposit slip. Both Save-by-Mail and Young Elite Savers (YES) rates are variable and can change on the first of each month without notice.
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Get in Touch with Our Team

Got any questions? We’re ready to provide you with answers and guide you through the process. Get in touch with us today.

Withdrawal payments will normally be made on demand. However, the Fund reserves the right to require the owner(s) to give 30 days written notice of an intended withdrawal before such withdrawal is made. The interest rate on all Save-By-Mail and Young Elite Savers (YES) accounts (new and outstanding) may be adjusted at any time.