Ministry Solutions

Rates

Credit Cards and Loans

Ministry Credit Card Program
A cost-effective alternative to standard corporate credit card programs with flexible options tailored to meet a ministry’s unique needs. Includes a deposit-secured program: your ministry can earn dividends on the secured deposit while reaping the exclusive benefits of World Mastercard® with no annual fee.* Also, the card is compatible with Apple Pay, Google Pay and Samsung Pay, so purchases can be made through your mobile device's digital wallet.

Ministry Loans and Lines of Credit
ELCA congregations and related ministries can borrow up to $100,000 at favorable interest rates for small projects and purchases, including building repair and supplementing operating expenses. Both fixed-rate loans and adjustable-rate loans and lines of credit (with rate reviewed after five years) are available. Ministry loans are also available for vehicle purchases.

For loans larger than $100,000, please contact our ministry partner, the Mission Investment Fund.

Solar and Clean Energy Projects
The time could be right to consider a loan for clean energy upgrades. As part of a new program through the Inflation Reduction Act, ELCA congregations and ministries can qualify for rebates on green investments, like wind and solar power projects, electric vehicles (EVs), efficiency upgrades, heat pumps, and more. 

Learn how the ELCA Federal Credit Union and partner organization, the Mission Investment Fund, can help you get started.

Begin Credit Card Or Loan Application
The ELCA Federal Credit Union Ministry accounts include the following FREE services:
Mobile App
Digital Giving
eStatements
Account-to-Account
Digital Giving
eStatements

Mobile App: Account Access Whenever, Wherever

ELCA FCU for Ministries: Designed with your organization in mind.
With our mobile app available for Android and Apple devices, you can:
  • Deposit checks using Remote Deposit Capture*
  • Manage card(s) and loan payment information
  • Pay bills
  • Transfer funds to/from internal and external (A2A) accounts
  • View and download eStatements, and much more
*First-time remote deposit users must complete a brief enrollment process. Launch our app, select Remote Deposit and then click Sign Up to enroll.  New users are typically approved by the following business day.  Normal check-hold policies apply.

Account-to-Account Transfers

Account-to-Account Transfers let you securely link your ELCA Federal Credit Union account(s) with your accounts in other financial institutions. That means you can transfer funds to and from these accounts allowing you to manage your overall financial portfolio without ever writing a check or visiting a branch.
Manage your ministry’s finances the way you want, whenever you want.
Account-to-Account Transfers are completely free and in most cases, the transfers take just a couple of days to complete.
Complete the Link to an External Account form so you can easily move funds between your ELCA FCU account and other institutions.

Digital Giving

Donating to the ELCA congregation or ministry of your choice has never been easier, thanks to the ELCA’s partnership with Tithe.ly. Learn how it works.

Free eStatements

Enroll online now to receive eStatements – the faster, greener, paperless way to track account activity. Your 12 most recent eStatements will always be available online and at the beginning of each month, you’ll be notified by email when your eStatement is ready to view or download. Download your account information into your choice of Microsoft Money, Intuit Quicken, or Intuit Quickbooks and CSV format. Also available is the legacy file version (QIF) for use in older programs.
Enroll now!
Paper statements are available for $1 per month to cover printing and postage costs.
*Foreign transaction fees apply. Current rates are posted here. Rate is variable and subject to change.
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