LLL Instant Access Facility

Secure the future of faith with LLL's Instant Access Facility

Empower your mission with LLL's Instant Access Facility, tailored to fortify the foundations of Lutheran churches, schools, aged care facilities, camps, clergy and dedicated Church workers across Australia. Designed for those committed to building a legacy for future generations in the Word of the Lord, this facility provides flexible access to funds, and a variable interest rate, propelling your strategic missional goals.

1.45%^p.a.*

 Key Features

Flexible accessibility: No waiting, no delays – access your funds without notice, enabling swift and decisive management of your funds.

No minimum investment: Tailored for flexibility, this facility comes with no minimum investment amount, ensuring accessibility for missions of all sizes. 

No fixed terms: Embrace fluidity in your mission planning with no fixed terms, allowing you to adapt to evolving needs and opportunities.

Zero fees and charges: Focus on your mission, not on costs – experience the freedom of zero fees and charges, ensuring your funds work solely for your mission's success.

Variable interest rate: Watch your capital grow with a variable interest rate, calculated daily and credited annually, optimising your financial strength.

Digital convenience: Seamless online service with LLL Online and the LLL app, providing an efficient experience to access your facility, track transactions, and manage finances on the go.

Passbooks for easy management: Stay on top of your transactions with our passbook** option, offering a tangible and user-friendly investment management tool.

 Facility Options

Invest in your financial future with LLL - where every dollar serves a higher purpose.

Need further information? LLL has developed a user-friendly comparison table to compare all investment products and features, helping you make an informed choice about your financial future. 

LLL investment product and features comparison 

Options for Children's facilities

LLL issues statements half-yearly, in July and January. Statements are issued via secure messages in LLL Online. Should you require an interim one-off statement or your statements by post, please contact our team.

_{Important Information} 

^{* Interest rate is subject to change.}

^{^ Associate means an investor or potential investor in a Facility that is the LCA, a body constituted by or under the authority of the LCA, a LCA entity, a member of the General Church Board, LCA clergy, a Lutheran body of shared charitable purpose or a paid employee of the LCA or LLL. LLL will determine whether a person qualifies as an Associate when they apply for a facility. Eligibility criteria apply; further definitions can be referred to in the Disclosure Documents of the relevant products.}

^{# Minimum age and signatory requirements apply; refer to the Terms and Conditions of the relevant product.}

^{** On 30 September 2025 LLL ceased offering and updating passbooks.}

^{By law, LLL must inform investors that LLL's debenture products are only intended to attract investors whose primary purpose for making their investment is to support LLL's charitable purposes, primarily support for the Mission of the Lutheran Church in Australia; that investors may be unable to get some or all of their money back when the investor expects it or at all; and that an investment in LLL's debentures is not comparable to investments with banks, finance companies or fund managers.}