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Personal rates

Savings Accounts

TypeBalanceDividend RateAPY1
Lighthouse SavingsAll balances0.01%0.01%
Lighthouse Premium Savings$0.00–$500.001.00%1.00%
Lighthouse Premium Savings$500.01–$15,000.000.05%1.00%-0.08%
Lighthouse Premium Savings$15,000.01–$100,000.000.45%0.08%-0.40%
Lighthouse Premium Savings$100,000.01–$200,000.001.00%0.40%-0.70%
Lighthouse Premium Savings$200,000.01–$500,000.002.23%0.70%-1.63%
Lighthouse Premium Savings$500,000.01+3.20%1.63%-2.48%

Effective date: November 05, 2024

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.

Lighthouse Premium 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. 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.
  2. Donation made by Lighthouse Federal Credit Union to the Lighthouse Foundation based on the average balance held in the Lighthouse Premium Savings account. Donation is not made on behalf of the member and will not result in any tax implications for the member. 

Credit Cards

Card TypeAPR As Low As¹Description
Lighthouse Anchor Card13.74%
Variable rate
Lighthouse Navigator Card16.74%Variable rate

Effective date: November 05, 2024

Share Certificates

TermDividend RateAPY1Minimum Balance
6-Months4.41%4.50%$500.00
12-Months3.93%4.00%$500.00
18-Months3.40%3.45%$500.00
24-Months2.91%2.95%$500.00
36-Months2.37%2.40%$500.00
48-Months2.47%2.50%$500.00
60-Months2.52%2.55%$500.00

Effective date: November 05, 2024

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.

Loan rates

Auto Loans

TermAPR As Low As1Monthly Payment Per $1,000Model Year
Up to 63 Months6.29%$19.472024-2022
64-75 Months6.69%$16.912024-2022
76-84 Months7.59%$15.382024-2022
Up to 63 Months6.70%$19.662021-2017
64-75 Months7.29%$17.192021-2017
76-84 Months7.99%$15.582021-2017
Up to 63 Months7.74%$20.152016-2015
Up to 48 Months10.74%$25.722014-2012

Effective date: November 05, 2024

Boat & RV Loans

TermAPR As Low As1Minimum BalanceModel Year
Up to 60 Months8.24%$5,0002020-2014
61-120 Months9.19%$25,0002020-2014
121-180 Months9.79%$50,0002020-2014
Up to 60 Months8.19%$5,0002024-2021
61-120 Months8.69%$25,0002024-2021
121-180 Months9.69%$50,0002024-2021

Effective date: November 05, 2024

Motorcycle & Powersport Loans

TermAPR As Low AsModel Year
24-63 Months8.69%2018-2016
Up to 65 Months7.59%2024-2019
66-72 Months8.49%2024-2019

Effective date: November 05, 2024

Mortgages

Loan TypeRate TypeInterest RatePointsAPR
15-Year Fixed (Conventional)Fixed6.250%2.006.916%
15-Year Fixed (Conventional)Fixed6.375%1.006.879%
15-Year Fixed (Conventional)Fixed6.500%0.006.842%
30-Year Fixed (Conventional)Fixed6.750%2.007.169%
30-Year Fixed (Conventional)Fixed6.875%1.007.194%
30-Year Fixed (Conventional)Fixed7.000%0.007.219%
20-Year Fixed (Conventional)Fixed6.625%2.007.169%
20-Year Fixed (Conventional)Fixed6.750%1.007.162%
20-Year Fixed (Conventional)Fixed6.875%0.007.157%
30-Year Fixed Home 97Fixed6.750%2.007.169%
30-Year Fixed Home 97Fixed6.875%1.007.194%
30-Year Fixed Home 97Fixed7.000%0.007.219%
30-Year Fixed Home 100Fixed6.750%2.007.169%
30-Year Fixed Home 100Fixed6.875%1.007.194%
30-Year Fixed Home 100Fixed7.000%0.007.219%
15-Year Fixed JumboFixed6.250%2.006.690%
15-Year Fixed JumboFixed6.375%1.006.655%
15-Year Fixed JumboFixed6.500%0.006.621%
30-Year Fixed JumboFixed6.750%2.007.028%
30-Year Fixed JumboFixed6.875%1.007.054%
30-Year Fixed JumboFixed7.000%0.007.080%
3/1 Year ARM (Conforming)Variable6.000%2.007.387%
3/1 Year ARM (Conforming)Variable6.125%1.007.329%
3/1 Year ARM (Conforming)Variable6.250%0.007.271%
5/1 Year ARM (Conforming)Variable6.125%2.007.257%
5/1 Year ARM (Conforming)Variable6.250%1.007.216%
5/1 Year ARM (Conforming)Variable6.375%0.007.175%
Home 97 5/1 Year ARMVariable6.125%2.007.257%
Home 97 5/1 Year ARMVariable6.250%1.007.216%
Home 97 5/1 Year ARMVariable6.375%0.007.175%
7/1 Year ARM (Conforming)Variable6.250%2.007.133%
7/1 Year ARM (Conforming)Variable6.375%1.007.099%
7/1 Year ARM (Conforming)Variable6.500%0.007.066%
10/1 Year ARM (Conforming)Variable6.375%2.007.072%
10/1 Year ARM (Conforming)Variable6.500%1.007.057%
10/1 Year ARM (Conforming)Variable6.625%0.007.042%
Home 100 10/1 Year ARMVariable6.375%2.007.072%
Home 100 10/1 Year ARMVariable6.500%1.007.057%
Home 100 10/1 Year ARMVariable6.625%0.007.042%
Home 100 7/1 Year ARMVariable6.250%2.007.133%
Home 100 7/1 Year ARMVariable6.375%1.007.099%
Home 100 7/1 Year ARMVariable6.500%0.007.066%
Home 97 10/1 Year ARMVariable6.375%2.007.072%
Home 97 10/1 Year ARMVariable6.500%1.007.057%
Home 97 10/1 Year ARMVariable6.625%0.007.042%
Home 97 7/1 Year ARMVariable6.250%2.007.133%
Home 97 7/1 Year ARMVariable6.375%1.007.099%
Home 97 7/1 Year ARMVariable6.500%0.007.066%
HLPR (3/1 Year ARM)Variable5.625%0.006.704%
1/1 Arm Land LoanVariable10.250%0.0010.687%

Effective date: November 05, 2024

Construction Loans

Loan TypeInterest RatePointsAPR
30-Year Fixed7.000%0.007.267%
30-Year Fixed Jumbo7.000%0.007.124%
1/1 ARM Land Loan10.250%0.0010.687%

Effective date: November 05, 2024

Home Improvement Loans

Loan TypeTermAPR As Low AsPayment Per $1000Description
Home Heating LoanUp to 12-Months5.69%$85.92$1,000 Minimum/$5,000 Maximum
Energy Efficiency LoanUp to 84-Months2.00%$12.77Must get approval by Electric company. $15,000 Maximum
Energy Efficiency Loan – Eversource CustomersUp to 84-Months0.00%$14.97Must get approval by Electric company. $15,000 Maximum
No Equity LoanUp to 60-Months10.69%$21.59$1000 Minimum/$60,000 Maximum
No Equity LoanUp to 84-Months11.69%$16.96$1000 Minimum/$60,000 Maximum

Effective date: November 05, 2024

Home Equity Loans

Loan TypeTermAPR As Low AsLoan To Value Ratio
Home Equity Loan Second-Lien (Real Smart)Up to 60-Months7.49%81-90%
Home Equity Loan Second-Lien (Real Smart)Up to 84-Months6.19%Up to 70%
Home Equity Loan Second-Lien (Real Smart)Up to 84-Months6.69%71-80%
Home Equity Loan Second-Lien (Real Smart)61-120 Months7.99%81-90%
Home Equity Loan Second-Lien (Real Smart)85-107-Months6.39%Up to 70%
Home Equity Loan Second-Lien (Real Smart)85-107-Months6.99%71-80%
Home Equity Loan Second-Lien (Real Smart)108-120-Months6.69%Up to 70%
Home Equity Loan Second-Lien (Real Smart)108-120-Months7.19%71-80%
Home Equity Loan Second-Lien (Real Smart)121-180 Months7.19%Up to 70%
Home Equity Loan Second-Lien (Real Smart)121-180 Months7.69%71-80%
HELOC (Interest Only)10-Year Draw Period/15-Year Payback Period8.00%Up to 80%
HELOC (Interest Only)10-Year Draw Period/15-Year Payback Period8.25%81-90%
Home Equity Loan First-Lien (Home Advantage)15-Year6.325%Up to 80%

Effective date: November 05, 2024

Personal Loans

Loan TypeTermAPR As Low As1Description
Signature Loan (Personal)Up to 60-Months11.69%$75,000 Maximum
Certificate Secured Loan (Lighthouse CU)120-MonthsCertificate rate plus 3.00%Borrow up to 95% of certificate balance
Credit Builder LoanUp to 24-Months7.99%Minimum loan amount of $500; maximum loan amount of $2,000.

Effective date: November 05, 2024

Business rates

Business Checking

BalanceDividend RateAPY
Up to $4,9990.00%0.00%
$5,000+0.01%0.01%

Effective date: November 05, 2024

Business Savings

BalanceAPYInterest Rate
All Balances0.01%0.01%

Effective date: November 05, 2024

Business Credit Card

APR As Low AsDescription
15.00%Variable rate
Prime + 7.00%

Effective date: November 05, 2024

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