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Established in 1921, LLL Australia is a charitable financial institution which provides savings accounts.

The LLL prides itself on providing savings accounts that are simple to operate, with a great interest rate and no fees or charges. The LLL has a variety of savings accounts: personal and joint accounts; guardian accounts for children; and business accounts, including for self-managed super funds and not-for-profit organisations.

As an Authorised Deposit-taking Institution (ADI), the LLL is regulated under the Banking Act and by APRA.

The mission of the LLL is to provide business and financial support to the Lutheran Church of Australia (LCA) while providing excellent service to all customers and safeguarding the interests of depositors.

The LLL only provides loans to approved projects of LCA entities, such as upgrades to Lutheran schools, churches and care facilities, with surpluses assisting the LCA in its mission.

Support to LCA through grants.

The LLL maintains a number of Permanent Funds (also referred to as capital or endowment funds) which provide an annual grant for ministry purposes. Many areas of the LCA benefit from these funds.

Guided by the LCA General Church Board, the LLL Board also provides the LCA with financial grants to assist particular mission areas of the church.

The LLL also encourages members of the LCA to consider leaving a legacy to the LLL. Supporters can choose to leave a legacy without conditions or to support a specific LLL Permanent Fund to support the LCA.

Grants also come from donations, In Memoriam donations and Non-interest-bearing Accounts.

Administrative support.

The LLL assists the LCA in many areas of business and finance, including managing LCA funds. In addition, the LLL administers LCA Insurance, Regular Electronic Giving and LCA Subscriptions on behalf of the LCA.

Mission outreach support with LTM.

Lutheran Tract Mission (LTM) is an outreach ministry of the LLL. LTM develops Christian leaflets, cards, bookmarks, devotional booklets and stickers. Ordered tracts are distributed throughout Australia and New Zealand.

Support through LLL Loans.

The LLL provides loans to the LCA for churches, schools, aged care facilities and other associated organisations. The LLL is not licensed to engage in consumer credit and does not provide loans to non-LCA entities.

The latest financial information about the LLL is in the current Annual Report and if you have any questions please contact us.

Together in mission.

Each year the LLL produces a publication called Together in mission. It details the benefits that have been provided and is full of good news stories and reports.

Many areas of the church are recipients of these financial benefits, such as Grow Ministries, Church Worker Support, Local Mission and International Mission (for a full list, refer to Together in mission).

We encourage account holders and supporters to read this informative publication. Together in mission is sent to all congregations each year with the LLL calendars and is available on the LLL website.