Our Mission

Church Extension Fund is a ministry of partnering Christians to make resources available for members and churches of the Michigan District in carrying forward the Great Commission.

Connecting Generations in a Christian Legacy

The Michigan District Church Extension Fund enjoys a rich tradition of consistent growth that now spans four generations of Lutherans. Church Extension Fund (CEF) is a ministry – a community of Lutheran investors – that serves as the primary source of capital funding for Lutheran churches and schools in Michigan. CEF provides affordable, low-interest loans for buying, building, expanding, renovating and equipping churches and schools for the preaching and teaching of God’s Word.

Beyond this important work, Church Extension Fund provides its investors with competitive investment options through a host of financial investment products. When you put your funds into CEF, you can take satisfaction in knowing that you are investing in not only your family’s future, but also in the future of the Lutheran Church in the Michigan District.

We invite you to explore further and discover how CEF can help you reach your savings goals. Together, with our investments and God’s grace, we may sustain this vital connection and assure the legacy for generations to come.

Total Loans
Current Projects


Saving for College
Apr 01, 2016

Q. We have been hearing a lot about saving for college for our children and the Michigan College savings plan. Does Church Extension Fund offer a College Savings Plan?

A. Church Extension Fund has been helping families save for future education expenses for many years and saving for higher education has never been more important than now. 

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The Gift
Mar 06, 2016

Think back to the time you were preparing for the birth of your first child.  You worked hard to prepare.  New paint in the nursery and getting the equipment you knew would be needed soon.  How excited you were to discover what this new little part of you looked like.  Then the day came and that amazing feeling burst all over you as you gazed upon that new life.  New hands.  New feet.  New eyes and a mouth.  What a miracle you have seen with all the intricacies of the body interconnected and working together. All of them never used before but in need of love and care to teach them to work properly.

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