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


What Your Will or Trust Reveals
Jan 01, 2017

We have all heard the story.  Mom or Dad have passed away but never took the time to make their thoughts known by writing a Will.  But now you have to deal with the aftermath.  

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Saving for Retirement on a Tight Budget
Nov 30, 2016

Q. My husband and I have a very tight budget. What can we do to start saving for retirement when money is so tight?

A.   When it comes to retirement savings, about 1 in 4 U.S. adults (26%) do not save any portion of their household’s annual income for retirement.

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