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CREDIT BUILDER LOANS

Build or Rebuild Your Credit History

Borrow up to $2,000 to start building your credit history or to get it back on track. Loan funds will be placed on hold in a savings account while you’re making regular payments, and the full amount will be made available once the loan is paid in full.

Low, fixed rate for the life of the loan
Choose your term – up to 24 months
Earn dividends while improving your credit

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Personal Loan Rates

Current interest rates

Loan Type	Term	APR As Low As¹	Description
Signature Loan (Personal)	Up to 60-Months	11.69%	$75,000 Maximum
Certificate Secured Loan (Lighthouse CU)	120-Months	Certificate rate plus 3.00%	Borrow up to 95% of certificate balance
Credit Builder Loan	Up to 24-Months	7.99%	Minimum loan amount of $500; maximum loan amount of $2,000.

Effective date: May 25, 2025

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.

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.

Financial Calculators

Banking is better for our members with fair rates, affordable loans, and promising financial futures. And money can do more when put back into projects for affordable housing and helping those that need a hand up.

How much car can I afford?

This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.

All fields are required.

Highest monthly payment you can afford

Down payment

Trade-in value (if any)

Loan term

loan term in months or years Months Years

Interest rate

Show payment schedule

Calculator Results

Based on the information entered, the total amount that you can afford to pay on your car, taxes, and document fees is $30,260.94.

Financial Details

Cash down payment	$5,000.00
Trade-in	$3,000.00
Loan amount	$22,260.94
Total	$30,260.94

Calculator tips

You will pay $1,739.06 in interest over the course of the loan.

This calculator computes the loan amount (which includes taxes and documentation fees), but does not indicate whether you would qualify for the loan.

Calculator disclaimer

The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Personal Financing

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