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 Renovations loans are only available for homes in New Hampshire, Massachusetts, Maine, or Vermont.

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.

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.

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.

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 6.375% interest rate and annual percentage rate of 6.632% will have a monthly principal and interest payment of $631.09.

The APR in the payment example was effective on December 31, 2025. The current APR may be different than the APR used in the payment example.

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.

What is COVR? COVR offers life insurance coverage from industry leading insurance carriers and access to the most competitive rates available. Earning a customer satisfaction rating of 4.7 stars over the past year, COVR streamlines the purchase process, providing expert, unbiased guidance from licensed insurance specialists with many applicants securing coverage in under 10 days and 70% of applicants qualifying to apply without a medical exam.

¹APY = Annual Percentage Yield. Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. The minimum balance to open a fixed rate share certificate and earn the advertised APY is $500. Advertised APY is effective as of the date shown above, and may change at any time, as determined by the Board of Directors. The dividend rate at the time of account opening will remain in effect for the entire term of the fixed rate share certificate. The advertised APY assumes dividends will remain in the share certificate account until maturity. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Please refer to our Schedule of Fees and Truth in Savings disclosure for more details. IRA certificate accounts cannot be opened online and are subject to legal requirements and limitations; consult with your tax advisor for specific details.

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

Personal 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 $22.10 per $1,000.00 borrowed.
3. Minimum term during repayment period is 12 months and maximum is 60 months.
4. The personal signature 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.

Personal Signature Loan, Credit Builder, Certificate Secured Loan

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

The following general disclosures apply to all mortgage loan products offered by Lighthouse Credit Union:

All mortgages are subject to credit approval. Annual Percentage Rate (APR) shown is the lowest rate offered. All rates, terms and conditions are subject to change without notice and no rate is guaranteed. Certain rate and point adjustments may apply depending on loan features and borrower’s creditworthiness. Escrows for real estate taxes are required for down payments of less than 20%. Property insurance is required and flood insurance may be required. Standard closing costs apply.

Final loan approval and offered terms are subject to a satisfactory appraisal. The appraised value of the home may affect eligibility, loan amount, and required conditions. 

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.

At this time, we offer mortgage lending in Connecticut, Florida, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. However, we do not offer Land Loans, Construction Loans, and Accessory Dwelling Unit (ADU) Home Renovation Loans in Connecticut, Florida, or Rhode Island.

For more information on any of our mortgage loan products, please call a Mortgage Specialist at 888-436-1847. 

Payment Examples

30-Year Fixed Mortgage loan with $100,000 loan amount and 6.500% interest rate and APR of 6.708% will have a monthly principal and interest payment of $632.07. The payment example doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. The current APR is subject to change and may be different than the APR used in the payment example. The APR in the payment example was effective on March 13, 2026. This payment example is applicable to the 30-Year Fixed Mortgage (Conventional), Home 97 30-Year Fixed Mortgage, Home 100 30-Year Fixed Mortgage, Jumbo 30-Year Fixed Mortgage, and the Pathways Service 30-Year Fixed Mortgage. Terms and conditions apply.

20-Year Fixed Mortgage loan with $100,000 loan amount and 6.375% interest rate and APR of 6.646% will have a monthly principal and interest payment of $738.23. The payment example doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. The current APR is subject to change and may be different than the APR used in the payment example.  The APR in the payment example was effective on March 13, 2026. This payment example is applicable to the 20-Year Fixed Mortgage (Conventional). Terms and conditions apply.

15-Year Fixed Mortgage loanwith $100,000 loan amount and 5.875% interest rate and APR of 6.203% will have a monthly principal and interest payment of $837.12. The payment example doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. The current APR is subject to change and may be different than the APR used in the payment example.  The APR in the payment example was effective on March 13, 2026. This payment example is applicable to the 15-Year Fixed Mortgage (Conventional) and the Jumbo 15-Year Fixed Mortgage. Terms and conditions apply.

40-Year Fixed Mortgage loan with $100,000 loan amount and 6.625% interest rate and APR of 6.806% will have a monthly principal and interest payment of $594.38. The payment example doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. The current APR is subject to change and may be different than the APR used in the payment example.  The APR in the payment example was effective on March 13, 2026. This payment example is applicable to the 40-Year Fixed Mortgage. Terms and conditions apply.

Construction Loan and Jumbo Construction Loan 30-Year Fixed Mortgages begin with a 12-month interest-only construction period followed by a fully amortized repayment period for the remaining 348 months. A Construction Loan or Jumbo Construction Loan 30-Year Fixed Mortgage loan with a $100,000 loan amount and 6.500% interest rate and APR of 6.759% will have a monthly principal and interest payment of $639.21. The payment example doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. The current APR is subject to change and may be different than the APR used in the payment example.  The APR in the payment example was effective on March 13, 2026. This payment example is applicable to the Construction Loan and the Jumbo Construction Loan 30-Year Fixed Mortgages. Terms and conditions apply.

40-Year 7/1 Adjustable-Rate Mortgage (ARM) loan with $100,000 loan amount and 5.625% interest rate and APR of 6.276% will have a monthly principal and interest payment of $524.30. The payment example doesn’t include property taxes or homeowner’s insurance, so the monthly payment will be greater. The current APR is subject to change and may be different than the APR used in the payment example.  The APR in the payment example was effective on March 13, 2026. This payment example is applicable to the 40-Year 7/1 ARM. Terms and conditions apply.

Fixed Rate Mortgage Disclosure

For a 1-4 family owner occupied residence, condominium, or double-wide manufactured home located on owned land; and one-unit second homes. Home 100 30-Year Fixed Mortgage, Home 97 30-Year Fixed Mortgage, 40-Year Fixed Mortgage, and Pathways Service 30-Year Fixed Mortgage are available solely for the purchase of single-family homes and condominiums for use as a primary residence. Loan approval is based on creditworthiness, amount financed, and ability to repay. Excluding Pathways Service loans, loans with a down payment of less than 20% require private mortgage insurance (PMI), which could increase the monthly payment and APR.

Adjustable-Rate Mortgages (ARMs) Disclosure

For 1–4 family owner-occupied residence, condominium or double-wide manufactured home located on owned land; and one-unit second homes. Home 100 ARMs, Home 97 ARMs, 40-Year 7/1 ARM and Pathways Service ARMs are available solely for the purchase of single-family homes and condominiums for use as a primary residence.

3/1, 5/1, 7/1 & 10/1 ARMs
Loan approval, interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. Excluding Pathways Service and Home Loan Repayment Relief (HLPR) loans, loans with a down payment of less than 20% require PMI which could increase the monthly payment and APR. APR may increase after consummation of ARM products.

The index for all ARMs 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 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 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 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 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.

*40-Year Mortgages

40-Year Mortgages are available as fixed or adjustable rate loans. Minimum down payment of 3% is required. PMI and escrows for taxes are required for down payments of less than 20%. Available solely for the purchase of a single-family home or condominium for use as a primary residence. Not available for refinance transactions. Terms and conditions apply.

**Pathways Service Mortgages

Through the Pathways Service, a qualified first-time homebuyer is eligible to apply for a 100% LTV mortgage loan without the cost of PMI by successfully engaging a designated friend or family member to open and fund a Pathways 60 Month Certificate account with a minimum balance of $50,000.  The Pathways 60 Month Certificate account must be opened and funded within 3 business days from the date of the homebuyer’s executed Purchase & Sale Agreement for the homebuyer to qualify for the PMI waiver.  Available solely for the purchase of a single-family home or condominium for use as a primary residence.  Terms and conditions apply.

***Home Loan Payment Relief (HLPR) 3/1 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 1 financial counseling session is required to support buyer readiness. The loan features a fixed rate for the first 3 years. Beginning in year 4, 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 manufactured homes located on owned land. Lender-paid closing costs must be reimbursed if the loan is paid in full within the first 3 years. Purchase transactions only; other restrictions may apply.

Land Loan 1/1 ARM

The Land Loan 1/1 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% Your rate won’t go up more than 2% per year—or more than 6% over the life of the loan.

Construction Loans

The Construction Loan 30-Year Fixed Mortgage and the Jumbo Construction Loan 30-Year Fixed Mortgage are fixed-rate mortgages with interest-only payments during the construction period.  Available for 1-4 family homes and double-wide manufactured homes located on owned land. Maximum Loan-to-Value (LTV) is 95% of the home’s value as completed.

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.

¹Home 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.

²Home 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.

³1st-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.

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

¹Home Equity Loan
A $30,000 home equity loan at 6.69% APR with term of 120 months. 120 monthly payments of $343.53.

²Home Equity Line of Credit – Interest Only
A $50,000 home equity line of credit at 6.75% APR, payments will be $442.56 during the repayment period, and approximately $286.64 during the draw period.

³1st-Lien Home Equity Loan
A $75,000 1^st-Lien Home Equity loan at 6.20% APR with a term of 180 months payments would be approximately $641.21.

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

1. Rates include loan discount. Loan discounts apply to Home Heating and No Equity 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. 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. Rate is fixed and will not change during the repayment period.

No Equity Loan

1. 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.
2. Minimum term during repayment period is 12 months and maximum is 60 months.

Home Heating Loan Payment Example

$1,000 loan with a rate of 5.69% APR for 12 months. Monthly payment is approximately $86.44. Total finance charge is $31.17 (includes debt protection).

Energy Efficiency Loan Disclosure

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.

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.

1. 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.
2. If you elect to have Overdraft Protection, we will transfer funds from your designated Lighthouse Credit Union account to cover overdrafts from your checking account. A transfer fee will apply, please refer to our Schedule of Fees for details.

 

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.

*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. 

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. Rates are determined by term, amount financed and collateral. This is not a risk based product. Credit history does not determine rates.

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).

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.

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.