SHARE CERTIFICATES
INTRODUCING OUR NEW
Secure your savings and watch them grow.
Introducing our new 24-Month Variable Rate Share Certificate—a flexible way to let your savings move with the market. Open yours and start earning today.
- Dividend rate and APY* can change monthly (up or down) based on the Federal Funds Rate
- Currently the highest yield of any Lighthouse Share Certificate
- $500 minimum opening balance
- 24-month term is great for longer-term goals
*APY = Annual Percentage Yield. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. The minimum balance to open a variable rate share certificate and earn the advertised APY is $500. This is a variable rate account; the dividend rate is subject to change monthly after the account is opened based on the Federal Funds Rate (“index”) as of the last business day of the month, minus 0.25%. Advertised APY is accurate as of 8/12/2025 and based on Federal Funds Rate in effect on 7/31/2025. The advertised APY assumes dividends will remain in the share certificate account for the entire 24-month term. 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. The dividend rate will never be less than 2.50% (minimum APY of 2.53%) and will never exceed 5.50% (maximum APY 5.64%). APY calculations are based on the minimum and maximum dividend rates being in effect for the entire 24-Month term.
See your money do more with our share certificates
- Maximize your savings and returns
- Choose the term that works for your goals
- Save what you want at the rate you desire
Grow your goals
Get more from your money.
- Earn a higher return on your money than many traditional savings accounts.
- Deposit the minimum required to open with no maximum.
FROM OUR COMMUNITY
“Katie C. did a fine job on my recent CD. Very professional and friendly.”
Gardner H.
Share Certificate Rates
Effective date: August 15, 2025
What your savings earn
| Term | Dividend Rate | APY1 | Minimum Balance |
|---|---|---|---|
| 6-Months | 3.93% | 4.00% | $500.00 |
| 12-Months | 3.69% | 3.75% | $500.00 |
| 18-Months | 3.40% | 3.45% | $500.00 |
| 24-Months | 2.91% | 2.95% | $500.00 |
| 36-Months | 2.37% | 2.40% | $500.00 |
| 48-Months | 2.47% | 2.50% | $500.00 |
| 60-Months | 2.52% | 2.55% | $500.00 |
Share Certificate Disclaimer
1APY = Annual Percentage Yield. Must be a member of Lighthouse Credit Union with 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 07/28/2025, 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.
Variable Rate Certificates
| Term | Dividend Rate | APY* | Minimum Balance |
|---|---|---|---|
| 24-Months | 4.08% | 4.16% | $500.00 |
Share Certificate Disclaimer
*APY = Annual Percentage Yield. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. The minimum balance to open a variable rate share certificate and earn the advertised APY is $500. This is a variable rate account; the dividend rate is subject to change monthly after the account is opened based on the Federal Funds Rate (“index”) as of the last business day of the month, minus 0.25%. Advertised APY is accurate as of 8/12/2025 and based on Federal Funds Rate in effect on 7/31/2025. The advertised APY assumes dividends will remain in the share certificate account for the entire 24-month term. 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. The dividend rate will never be less than 2.50% (minimum APY of 2.53%) and will never exceed 5.50% (maximum APY 5.64%). APY calculations are based on the minimum and maximum dividend rates being in effect for the entire 24-Month term.
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.
Personal Financing
- Auto Affordability Calculator
- Credit Card Debt Payoff Calculator
- College Savings Estimator
- Monthly Savings Estimator
- Loan Affordability Calculator
- Loan Rate Calculator
- Loan Payoff Calculator
- Loan Payment Calculator
- Loan Consolidation Calculator
- Auto vs. Home Equity Loan Calculator
- Debit Elimination Calculator
Start making an impact today
Let’s put your money to work for good.