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Past – Present – Future…
The Church Extension Fund brings together people in a common cause.  The Southern District Church Extension Fund was created to assist churches in the district by financing new mission plantings and to expand existing ministries through affordable loans.

Over the years since 1888, when the end of year assets totaled $86.45, the CEF has grown to more than $26,000,000 in assets as generation after generation of Southern District Christians have invested their dollars in a variety of CEF plans and services. The Church Extension Fund has made loans to Congregations in the district for the purchase of property, construction of new facilities, parsonages, and the repair and renovation of existing structures. CEF Funds are also available to congregations for the building of schools and day care centers. Over ninety percent of the congregations in the Southern District have benefited from a CEF loan.

CEF is unique because it depends upon the” invested” dollars rather than the “gifted” dollar to assist churches. Members of the Southern District invest in the CEF. The CEF in turn makes the assets of the fund available for loan to congregations of the district. In this process, CEF offers investors an opportunity to both participate in the growth of the church and to simultaneously receive a fair return on their investments.

For more than a century, the Southern District CEF has proven to be an excellent place for Lutherans to invest their dollars in a variety of plans and service. During the past century of investing, no one has lost a single cent in their CEF investments.

You can help the churches of the Southern District by investing your dollars in the CEF just as generations of Christians have done in the past for more than a century. We invite you to look through the materials and the investment opportunities on this site and then to put your dollars to work in the Southern District Church Extension Fund. If you have questions about any aspect of CEF investment options. Click here for more information on how to invest or apply for a building loan.

Loans & Investments