Thrivent Financial for Lutherans is member-owned with nearly 3 million members/owners. Lutherans join Thrivent Financial so that they can “do well” on their investment products, and at the same time contribute to “doing good” for the communities, friends, family members and prospective Lutherans with whom they associate. “Doing good” is part of Thrivent Financial for Lutherans' overall business strategy that flows through the fraternal operations.

As the nation’s largest fraternal benefit society, Thrivent Financial for Lutherans operates to serve individual Lutherans, congregations, schools, institutions and a variety of other Lutheran constituencies through a number of programs (examples include matching gifts, congregational grants, local chapter activity support, Habitat for Humanity and many more). In addition, the Thrivent Financial for Lutherans Foundation provides block grants to the national church body offices, grants that benefit a variety of other Lutheran organizations and their missions, and grants that specifically support charitable donor gifting in support of a broad range of Lutheran constituents. As a Fortune 500 financial services company with $70 billion in combined insurance and mutual fund assets under management, Thrivent Financial for Lutherans has made a commitment to provide loans to Lutheran churches to support growing ministries and facilities. As a non-profit entity, Thrivent Financial is in a unique position to offer competitive rates, terms and exceptional services to churches nationwide.

Working with Thrivent Financial for Lutherans — A Triple Benefit for Lutherans
Broadly stated, working with Thrivent Financial for Lutherans produces a TRIPLE BENEFIT. Congregations BENEFIT by receiving competitive rates and terms to allow them to invest more in their growing ministries. Thrivent Financial for Lutherans insurance product members also BENEFIT by receiving investment income on their Thrivent Financial for Lutherans' insurance product, while supporting the growth of congregations. Finally, the broader Lutheran community BENEFITS through the commitment of time and financial resources given by Thrivent Financial for Lutherans' fraternal operations to help support local growing ministries and community efforts that improve the quality of life for our Lutheran constituencies, friends, families and prospective Lutherans.

Thrivent Financial for Lutherans' Church Loan Program Advantages

• Long-term partnership with ease of restructuring to meet future needs
• Resources to move quickly to support an aggressive timeline
• Experience with phased development plans based on anticipated fund raising
• Unmatched level of service
• Flexibility to be creative with loan structure/terms, especially modifications for future stages/phases
• Highly competitive rates & fee structure
• Long-term fixed rate offerings
• Efficiencies in document processing between construction and permanent financing including potential savings of document preparation fees, external provider expenses, etc.
• Supports mission of giving back to our Lutheran community
• Applying for a Thrivent Financial church loan costs nothing – encouraging all churches to apply (effective November 1, 2007 Thrivent no longer charges an application fee)