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


The Path Confirmed
Mar 01, 2018

The Path Confirmed

Christian author Max Lucado tells the childhood story of five boys digging a tunnel over summer vacation.  The ditch was four feet deep and three feet wide, covered with several pieces of scavenged plywood and plenty of dirt.  It went half way across the vacant lot with a hidden entrance and exit.  It was going to be perfect to play out any stories the imaginations of the boys could dream.

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The One Man Talent
Feb 01, 2018

The One Talent Man

 One of the curiosities about the Lutheran Christian faith is not so much in the way of what we believe or don't believe, but rather what we believe about ourselves. An example of this thought can be found in the Parable of the Talents.

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