Explore the range of LLL investment products with our user-friendly comparison table, designed to enable customers to make informed decisions tailored to their financial goals.
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.
|
|
LLL Notice of Withdrawal Facility |
LLL Term Investment Facility |
LLL Instant Access Facility |
|---|---|---|---|
| Available to |
Associates^ Non-Associates |
Associates^ Non-Associates |
Associates^ |
| Facility options |
Individual Child~ Business Self-Managed Super Fund |
Individual Child~ Business Self-Managed Super Fund |
Individual
Child^~ Business |
| LLL interest rate |
Variable |
Fixed for the agreed term Following any roll-over, the rate may change for the new Term Investment |
Variable |
| Interest |
Calculated daily, credited annually |
For Associates - calculated daily but paid to an eligible LLL facility or rolled over at the end of the term For all other customers - calculated daily but paid to an eligible LLL facility, rolled over at the end of the term, transferred to nominated bank account or LLL cheque* |
Calculated daily, credited annually |
| Minimum investment required |
No minimum |
$1,000 |
No minimum |
| Term options |
Not applicable, however, 31 day notice of withdrawal period applies |
31 day, 3, 6 or 12 month terms |
Not applicable |
| Fees and charges |
None |
None |
None |
| When funds can be added |
Anytime |
At maturity and when opening a new Term Investment |
Anytime |
| Methods for adding funds |
|
|
|
| Methods for withdrawing funds |
Transfer to eligible LLL facility, transfer by request to nominated bank account or LLL cheque* |
For Associates - transfer request to an eligible LLL facility For all other customers – transfer to eligible LLL facility, transfer by request to nominated bank account or LLL cheque* |
|
| Non-interest-bearing |
Not available |
Not available |
Not available |
| Passbook |
Not available |
Not available |
Not available** |
| LLL Online and LLL app |
View only |
View only |
Full access available |
| Regular Electronic Giving (REG) |
Not available, however, can be facilitated from an external bank |
Not available |
Available |
| Faster Payments and BPAY® |
Not available |
Not available |
Available |
| External transfer |
For Associates – Available by request For all other customers – Transfer by request to a nominated bank account |
For Associates – Not available For all other customers – Transfer by request to a nominated bank account |
Available |
| Bank feeds |
Available |
Available |
Available |
Important Information
® Registered to BPAY Pty Ltd ABN 69 079 137 518
^ Eligibility criteria applies. Further definitions can be referred to the Terms and Conditions for LLL Investments
* For Non-Associates, payments to nominated bank accounts must be to a bank account with an Australian ADI (such as a bank, credit union or building society) in the name of the facility holders and payments via cheques are non-negotiable cheques payable to the facility holders only. Transfers to other LLL Facilities for non-associates are also only to facilities in the name of that facility holder.
** On 30 September 2025 LLL ceased offering and updating passbooks.
~ LLL only allows facilities to be opened by children as the facility holder where they are 12 or older. A facility can be opened in the name of a parent, guardian or other adult (as the facility holder) if they wish to use a facility to hold funds that they intend to use in the future for the benefit of a child of any age.
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.