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DISCLOSURES

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Mobile Banking Disclosure

*Mobile check deposit is only available to members over 16 years old. Deposits are subject to our discretion. Standard Funds Availability policy applies. Please see the Mobile Deposit Disclosure and Agreement for details. 

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Lighthouse Savings Disclaimer

  1. Lighthouse Savings: Must qualify for and establish membership with Lighthouse Credit Union. The minimum balance to open a Lighthouse Savings account is $5. APY (annual percentage yield), accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings.
    Lighthouse Premium Savings: Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. APY (annual percentage yield) accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings.

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Share Certificate Disclaimer

1Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. The minimum balance to open a share certificate is $500. APY (annual percentage yield) accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Share certificates are fixed rate accounts and will not change during the term. The APY assumes that dividends will remain on deposit until maturity. Fees could reduce earnings. Penalty for early withdrawal.

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VISA® Credit Card Disclosure

Annual Percentage Rate (APR) is accurate as of the date listed above. This rate is variable and subject to change.

See our schedule of fees for details on fees and charges associated with Credit Cards.

All loans are subject to credit approval. Qualifying purchases do not apply to cash advance, VISA® convenience checks, ATM advances, advances for overdraft protection or advances via telephone banking or Digital Banking. Please read the Credit Card Terms and Conditions for your card type.

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Auto Loan Disclosure

Rates are shown as an Annual Percentage Rate (APR) and are subject to change without notice.

Rates and amounts financed are determined by your personal credit history, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval.

  1. Rates include loan discount. Loan discounts do not apply to CULA leases. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. For a 76-84 month loan, the minimum amount financed is $20,000.

Auto Loan Payment Example

A $15,000 auto loan with a rate of 6.29% for 63 months. Monthly payment is approximately $293.57. Total Finance charge is approximately $2,778.00 (includes debt protection).

90-Day No Payment Information

Offer subject to change at any time. Finance charges begin accruing as of the loan origination date, other restrictions may apply. Offer may extend the term of your loan. Not available when refinancing an existing Lighthouse Federal Credit Union Auto Loan. Loan subject to credit approval and final rate is determined by credit history. Must ask for 90 Days No Payment Program at dealership before loan signing.

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Recreational Loan Disclosure

Including Boat & RV Loan Disclosure and Motorcycle & Powersports Loan Disclosure

Rates are shown as an Annual Percentage Rate (APR) and are subject to change without notice. APR is accurate as of date listed above.

  1. Actual rates and amounts financed are determined by applicant’s credit score, loan term, and age of collateral.

Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum.

Recreational Loan Payment Example

ATV/ Motorcycle / Jet Ski / Snowmobile:
Based on a $10,000 loan at 7.29% APR for 65 months. Monthly payment is approximately $199.27. Total finance charge is $2,179.27 (includes debt protection).

Boats/ RV:
Based on a $35,000 loan at 8.19% APR for 120 months. Monthly payment is approximately $500.81. Total finance charge is $17,297.37 (includes debt protection).

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General Mortgage Disclosure

Annual Percentage Rate (APR) shown is the lowest rate offered, including discounts and based on credit score. Rates are subject to change without notice.

All mortgages are subject to credit approval. All rates, terms and conditions are subject to change daily and without notice and no rate is guaranteed. For more information, please call a Mortgage Specialist at 888-436-1847.

Any interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Please consult a tax adviser for further information regarding the deductibility of interest and charges.

No Down Payment subject to credit approval. Escrows for real estate taxes required. Property insurance is required and flood insurance may be required. Standard closing costs apply. 

At this time we offer mortgage lending in Maine, New Hampshire, Vermont, and Massachusetts.

PAYMENT EXAMPLES
30-Year Fixed Mortgage Loan with $100,000 loan amount and 6.750% interest rate and annual percentage rate of 6.963% will have a monthly principal and interest payment of $648.60. The APR in the payment example was effective on July 7, 2025. The current APR may be different than the APR used in the payment example.  This payment example is applicable to the 30-Year Fixed Conventional Loan, 30-Year Fixed Home 97, 30-Year Fixed Home 100, and the 30-Year Fixed Jumbo Loan and doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. APR is subject to change, terms and conditions apply.

20-Year Fixed Mortgage Loan with $100,000 loan amount and 6.375% interest rate and annual percentage rate of 6.646% will have a monthly principal and interest payment of $738.23. The APR in the payment example was effective on July 7, 2025. The current APR may be different than the APR used in the payment example. This payment example is applicable to the 20-Year Conventional Loan and doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. APR is subject to change, terms and conditions apply.

15-Year Fixed Mortgage Loan with $100,000 loan amount and 6.000% interest rate and annual percentage rate of 6.331% will have a monthly principal and interest payment of $843.86. The APR in the payment example was effective on July 7, 2025. The current APR may be different than the APR used in the payment example. This payment example is applicable to the 15-Year Fixed Conventional Loan and the 15-Year Fixed Jumbo Loan and doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. APR is subject to change, terms and conditions apply.

Fixed Rate Mortgage Disclosure

All rates assume 80% financing with a 20% down payment. For a 1-4 family owner occupied residence, condo, or mobile home on its own land; and one-unit second homes. Loan approval is based on creditworthiness, amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate.

Please refer as well, to the general disclosure found in the section above.

ARM Disclosure

3/1, 5/1, 7/1 & 10/1 Adjustable Rate Mortgage (ARM)
Loan approval, interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. APR may increase after consummation of ARM products. Please refer to the general disclosure found in the section above.

The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change.

A 3/1 Adjustable Rate Mortgage (ARM) offers a fixed interest rate and monthly payment for the first 3 years. After that, your rate can adjust once a year based on changes in the 1-year U.S. Treasury rate, plus a 3% margin. Your rate won’t go up more than 2% per year—or more than 6% over the life of the loan.

A 5/1 Adjustable Rate Mortgage (ARM) offers a fixed interest rate and monthly payment for the first 5 years. After that, your rate can adjust once a year based on changes in the 1-year U.S. Treasury rate, plus a 3% margin. Your rate won’t go up more than 2% per year—or more than 6% over the life of the loan.

A 7/1 Adjustable Rate Mortgage (ARM) offers a fixed interest rate and monthly payment for the first 7 years. After that, your rate may adjust once per year based on the current 1-year U.S. Treasury rate plus a 3% margin. Your rate increases are limited—or “capped”—at 5% the first time it adjusts, no more than 2% each year after, and no more than 5% total over the life of the loan.

A 10/1 Adjustable Rate Mortgage (ARM) offers a fixed interest rate and monthly payment for the first 10 years. After that, your rate may adjust once per year based on the current 1-year U.S. Treasury rate plus a 3% margin. Your rate increases are limited—or “capped”—at 5% the first time it adjusts, no more than 2% each year after, and no more than 5% total over the life of the loan.

For 1 – 4 family owner-occupied residence, condo or mobile home on its own land; and one-unit second homes.

***HLPR 3/1 Adjustable Rate Mortgage (ARM)

This loan program is available to first-time homebuyers with household incomes at or below the area median, with additional eligibility for certain underserved communities. Escrow for property taxes and insurance is required, and flood insurance if applicable. A minimum of one financial counseling session is required to support buyer readiness. The loan features a fixed rate for the first 3 years. Beginning in year four, the interest rate adjusts annually based on the 1-year U.S. Treasury constant maturity rate plus a 2.75% margin, subject to a maximum increase of 1% per year and 5% lifetime cap over the initial rate. This loan is available for the purchase of 1 – 2 family owner-occupied homes, condominiums, or mobile homes on owned land. Lender-paid closing costs must be reimbursed if the loan is paid in full within the first three years. Purchase transactions only; other restrictions may apply.

1/1 Land Loan (ARM)

The 1/1 Land Loan ARM offers a fixed rate for 1 year and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S Treasury, plus a margin of 6 percentage Points. Caps are 2% annual and 6% lifetime.

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Construction Loan Disclosures

Annual Percentage Rate (APR) shown is the lowest rate offered, including discounts and based on credit score. Rates are subject to change without notice.

The Fixed 30 Year Construction loan term begins with a 12 month interest only construction period followed by a fully amortized re-payment period for the remaining 348 months.

Construction loans are only available if home is being built in New Hampshire, Massachusetts, Maine or Vermont.

Construction Mortgage Payment Example

A payment example for a Construction mortgage loan with $100,000 loan amount and 7.000% interest rate and annual percentage rate of 7.267% will have a monthly principal and interest payment of $672.13.

The APR in the payment example was effective on June 10, 2025. The current APR may be different than the APR used in the payment example. This payment example doesn’t include property taxes and homeowner’s insurance, so the monthly payment will be greater.

1/1 Land Loan (ARM)

The 1/1 Land Loan ARM offers a fixed rate for 1 year and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S Treasury, plus a margin of 6 percentage Points. Caps are 2% annual and 6% lifetime.

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Home Equity General Disclosure

Annual Percentage Rate (APR) shown is the lowest rate offered, including discounts (discounts not available for Home Equity Line of Credit) and based on credit score. Rates are subject to change without notice. Other terms and rates may be available.

Rates include loan discount. Loan discounts do not apply to credit cards, Interest only HELOCs, Electric Energy Efficiency, share and certificate secured, RV, boat, CULA Leases, commercial, and Impact loans. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active consumer credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. The rate is subject to change without notice. Rates and amounts financed may be determined by your personal credit history, account relationship and payment method. Final rates are determined by credit score.

Home Equity Loan: The maximum loan amount is $400,000 for loan to value ratios 80% or less. The maximum loan amount is $275,000 for loan to value ratios greater than 80%. The loan must be in second lien position. Closing costs waived for the first loan (exceptions may apply). Otherwise closing costs could be up to $1,000. Property insurance is required. Flood insurance is required if the property is located in a flood zone.

Home Equity Line of Credit – Interest Only: The index for the Interest Only Line of Credit is the Wall Street Journal Prime Rate. We will use the most recent index value available to us as of the last day of the calendar quarter before the date of any annual percentage rate adjustment plus or minus a margin. The maximum credit line is $400,000 for loan to value ratios 80% or less. The maximum credit line is $275,000 for loan to value ratios greater than 80%. The maximum APR that may be imposed is 18% in a variable-rate plan. No closing costs to first-time applicants (exceptions may apply). Otherwise closing costs could be up to $1,000. Property insurance required. Flood insurance is required if the property is located in a flood zone.

1st – Lien Home Equity Loan: Lighthouse Federal Credit Union must be in first lien position. Property insurance required. Property can not be located in a flood zone. No closing costs at consummation however member will be responsible for up to $1,000 in 3rd party closing costs, if the loan is paid off and closed in the first three years. Minimum loan amount is $20,000 and maximum loan amount is $417,000. Loan to value equal to 80% or less. Payment example does not include taxes and insurance so payment may be greater.

All loans are subject to credit approval.

For a 1-4 family owner-occupied residence, condo, or mobile home on its own land.

All rates, terms, and conditions are subject to change daily and without notice. They can only be guaranteed by our Mortgage Department. For more information, please call a Mortgage Specialist at 888-436-1847.

Home Equity Payment Example

Home Equity Loan
A $30,000 home equity loan at 6.39% APR with a term of 120 months. 120 monthly payments of $339.01.

Home Equity Line of Credit – Interest Only
A $50,000 home equity line of credit at 7.5% APR, payments will be $463.68 during the repayment period, and approximately $308.22 during the draw period.

1st-Lien Home Equity Loan
A $75,000 1st-Lien Home Equity loan at 6.325% APR with a term of 180 months payments would be approximately $646.27.

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General Loan Disclosure

Annual Percentage Rate (APR) shown is the lowest rate offered, including discounts and based on credit score. Rates are subject to change without notice.

All mortgages are subject to credit approval. All rates, terms and conditions are subject to change daily and without notice and no rate is guaranteed. For more information, please call a Mortgage Specialist at 888-436-1847.

Any interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Please consult a tax adviser for further information regarding the deductibility of interest and charges.

Escrows for real estate taxes and flood insurance (when applicable) are required. Property insurance is required and flood insurance may be required. Standard closing costs apply. 

At this time we offer mortgage lending in Maine, New Hampshire, Vermont, and Massachusetts.

APR (annual percentage rate) includes a 0.30% loan discount (example 5.99% – 0.30% = 5.69%). Loan discounts do not apply to credit cards, first mortgages, Interest-only HELOCs, CULA Leases, Electric Energy Efficiency, Share and Certificate secured, Commercial, ADU Home Renovation, and Impact loans.  A 0.10% discount will be applied to an eligible loan for each of the following qualifying three (3) factors: 1) Maintaining an open consumer checking account with a positive balance at least every thirty (30) days; 2) Maintaining an automatic payment established on the loan originating from a Lighthouse Credit Union account. Automatic payment must be established by contacting Lighthouse Credit Union; transfers set up in online or digital banking do not qualify; 3) Maintaining an active consumer credit card product. Active is defined as having transaction activity within the last ninety (90) days. If all qualifying factors are met, a total discount of up to 0.30% will be applied to the member’s base rate. Must request loan discount within ninety (90) days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account.

No Equity Loan Disclosure

The terms of repayment, which reflects the repayment obligations over the full term of the loan. A payment example based on our current rate of 10.99% for 60 monthly payments of $21.75 per $1,000.00 borrowed. The APR in the payment example was effective on Aug 6, 2025. The current APR may be different than the APR used in the payment example.  This payment example is applicable to the No Equity Loan and doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. APR is subject to change, terms and conditions apply.

Home Heating Loan Payment Example

$1,000 loan with a rate of 5.69% APR for 12 months. Monthly payment is approximately $87.64. Total finance charge is $31.30 (includes debt protection). The APR in the payment example was effective on August 5, 2025. The current APR may be different than the APR used in the payment example. APR is subject to change, terms and conditions apply.

Energy Efficiency Loan Disclosure

Loan discounts do not apply to credit cards, first mortgages, Interest-only HELOCs, CULA Leases, Electric Energy Efficiency, Share and Certificate secured, Commercial, ADU Home Renovation, and Impact loans.  A 0.10% discount will be applied to an eligible loan for each of the following qualifying three (3) factors: 1) Maintaining an open consumer checking account with a positive balance at least every thirty (30) days; 2) Maintaining an automatic payment established on the loan originating from a Lighthouse Credit Union account. Automatic payment must be established by contacting Lighthouse Credit Union; transfers set up in online or digital banking do not qualify; 3) Maintaining an active consumer credit card product. Active is defined as having transaction activity within the last ninety (90) days. If all qualifying factors are met, a total discount of up to 0.30% will be applied to the member’s base rate. Must request loan discount within ninety (90) days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account.

To start the process, please contact your utility provider to obtain approval before applying for financing. The EE Loan Authorization Form must be provided from the utility provider and signed off on. Checks will be made payable to the contractor listed on the EE form and the member. The Energy Efficiency Loan, open to customers participating in the Home Performance program available through your NHSaves utility partners, can be used for adding insulation, air sealing and other approved energy efficient updates to your home. The purchase or installation of solar panels is not covered by this program. Minimum loan amount is $1,000 with a maximum loan amount of $15,000. 0% rate is for Eversource customers only.; customers of all other NHSaves utility partners are eligible for an annual percentage rate of 2%. Maximum annual percentage rate for this product is 2%. Rates are set by the utility provider, not Lighthouse Federal Credit Union. This loan is not tied to the equity of the home. To start the process, please contact your utility provider to obtain approval before applying for financing. The EE Loan Authorization Form must be provided from the utility provider and signed off on. Checks will be made payable to the contractor listed on the EE form and the member. No other rate discounts apply.approval before applying for financing. The EE Loan Authorization Form must be provided from the utility provider and signed off on. Checks will be made payable to the contractor listed on the EE form and the member. No other rate discounts apply.

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ADU Home Renovation Loan General Disclosure

The Fixed Home Renovation Loan offers a loan term of up to 360 months (30 years) and begins with a 9-month interest-only construction period followed by a fully amortized re-payment period for the remaining months. For a maximum term of 360 months, loan amount must be greater or equal to $200,000.

ADU Home Renovation Loan Payment Example

A payment example for a Home Renovation loan with a $200,000 loan amount at 7.740% interest rate and annual percentage rate of 7.993% with a term of 360 months will have a monthly principal and interest payment of $1,431.44.

The APR in the payment example was effective on 07/21/2025. The current APR may be different than the APR used in the payment example.

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General Loan Disclosure

Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above.

Signature Loan

  1. Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Rates and amounts financed are determined by your personal credit history, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval.
  2. The terms of repayment, which reflects the repayment obligations over the full term of the loan. A payment example is 60 monthly payments of $21.60 per $1,000.00 borrowed.
  3. Minimum term during repayment period is 12 months and maximum is 60 months.
  4. The personal loan APR* (Annual Percentage Rate) is based on credit score and risk-based pricing. The maximum APR is 18%. Please refer to our Personal Loan Rates for current rates.

Signature Loan, Credit Builder, Certificate Secured Loan

  1. Rate is fixed and will not change during the repayment period.

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Business Account General Disclosure

Annual Percentage Yield (APY) is accurate as of date listed above, and is subject to change without notice.

See our schedule of fees for details on fees and charges associated with Savings Accounts.

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1. Important Information

Medicare plans are not provided by Lighthouse Federal Credit Union. Consulting services only available to residents of NH & ME at this time. Not connected with or endorsed by the U.S. Government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact medicare.gov or 1-800-MEDICARE to get information on all of your options.

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healthCAR Information

healthCAR is administered by Marathon Administrative Company. This flyer is a summary of some of the benefits available with healthCAR. For a complete information including terms and conditions, please refer to the complete terms and conditions of the vehicle service contract. This program is optional and cancellable. Please contact healthCAR at 888-594-1545 with any questions.

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**TruStage Information

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Insurance products are not deposits, not an obligation of and not guaranteed by Lighthouse Federal Credit Union. Insurance products are not protected by the NCUA, may be subject to risk and, in the case of life insurance, may go down in value. Any insurance required as a condition of an extension of credit need not be purchased from the credit union and may be purchased from an agent or insurance company of the member’s choice. Insurance products are not exclusive to Lighthouse Federal Credit Union members. Business conducted with Lighthouse Federal Credit Union Wealth Advisors is separate and distinct from any business conducted with the credit union. Lighthouse Federal Credit Union Wealth Advisors is a subsidiary of Lighthouse Federal Credit Union.

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*Investing & Retirement Planning Disclosure

Who is Cetera? Cetera Investment Services, LLC is an experienced brokerage firm, providing services and products to the customers of nearly 500 financial institutions. Cetera Investment Services is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investors Protection Corporation (SIPC). They offer a broad range of investment and insurance products, including: Mutual Funds, Stocks and Bonds, Unit Investment Trusts, Tax-Deferred Fixed and Variable Annuities, Life and Long-Term Care Insurance.

Lighthouse Wealth Advisors is a marketing name of Cetera Investment Services. Securities and insurance offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera firms are under separate ownership from any other named entity.

Important Information and Form CRS

Business Continuity Plan

This site is published for residents of the United States only. Financial Professionals of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.

Cetera is not affiliated with the financial institution where investment services are offered. Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

400 First Street South, Suite 300, St. Cloud, MN 56301 – (320) 656-4300

Investments: • Are not FDIC/NCUSIF insured • May lose value • Are not financial institution guaranteed • Are not a deposit • Are not insured by any federal government agency

For a comprehensive review of your personal situation, always consult your tax and/or legal advisor. Neither Cetera Investment Services LLC nor any of its affiliates offer tax or legal service.

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