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


Writing a Will Won't Jinx You
Sep 01, 2017

Writing a Will Won’t Jinx You!

 According to a recent survey done by Michigan State University for the Planned Giving Roundtable of Southeast Michigan, less than half of Michigan adults have written a Will or Revocable Living Trust.  A 2016 Gallup poll showed 1/3 of people 65 or older don’t have a Will or Trust.  Are you included in the statistics?  What is your reason for putting it off?  Many people don’t like facing their own mortality by planning for their future.  Writing your Will doesn’t mean you’ll die – tomorrow!

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The Stewardship of Time:Managing Your Schedule
Aug 01, 2017

The Stewardship of Time: Managing Your Schedule by Practicing Your Values

 “I count him braver who overcomes his desires than him who conquers his enemies; for the hardest victory is the victory over self.”


 Can you recall a time when a series of crushing demands triggered some bad decisions? Most of us can. There are many things in life we can’t control or avoid. Weather. Illness. Accidents. Taxes. Death. The list goes on. But one thing we can control is our schedules and the knowledge that God’s sustaining love defines and shapes our lives.

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