Rate Spotlight
Give Your Savings a Boost.
- No minimum balance
- No balance limit
- Access your money when you need it 2
Every day, you work hard for your money. Isn’t it time your savings start working hard for you?
Existing money can still take advantage of the great benefits Lighthouse Premium Savings has to offer
Savings Growth + Community Support
Your savings truly makes an impact when it’s in a Lighthouse Premium Savings Account. Tiered rates and compounding dividends provide month-to-month growth. Plus, we’ll make a donation equal to a percentage of your balance to the Lighthouse Credit Union Foundation. Win-win.
- Tiered rates = opportunity to grow your savings
- No minimum balance to earn dividends
- Automatic transfers makes saving easy
- Your balance drives community support
Tiered Rates
Lighthouse Premium Savings offers tiered rates that make it easy to keep growing your savings month after month.
Anytime, Anywhere Access
24/7, nationwide access via Digital Banking and the Lighthouse
Mobile App. Manage your accounts, transfer funds, deposit
checks,3 and more.
Community Support
We’ll make a monthly donation4 equal to a percentage of your balance. Your savings can have a big impact on our community.
Learn more about the Lighthouse Credit Union Foundation
- APY = Annual Percentage Yield. A promotional 3.78% dividend rate and 3.85% APY are effective as of September 30, 2026, on new Lighthouse Premium Savings accounts opened and funded with qualifying new money deposits. The APY is accurate as of the last dividend declaration date. Lighthouse Premium Savings is a tiered-rate account; however, the promotional dividend rate and APY currently apply to all balance tiers. Dividend rates and APYs are variable and may change at any time after account opening, including by balance tier. Dividend rates and APYs may vary based on account balance. Existing Lighthouse Premium Savings account holders must open a new Lighthouse Premium Savings account with qualifying new money to participate.
“New money” means funds originating from a source outside Lighthouse Credit Union (“Lighthouse”) that were received by Lighthouse within the 30 days immediately preceding their deposit into the Premium Savings Account. Funds may qualify as new money regardless of the Lighthouse deposit account in which they were initially deposited, provided the funds were received by Lighthouse from an external source within that 30-day period. Deposits or transfers from another Lighthouse account, deposit product, loan, or credit card do not qualify as new money unless the funds were originally deposited to Lighthouse from an external source within that 30-day period. Dividends, fee rebates, fee refunds, and fee waivers credited by Lighthouse do not qualify as new money.
Additional new money deposits may be made to the Lighthouse Premium Savings account through March 31, 2027. Beginning April 1, 2027, deposits may continue to be made to the Lighthouse Premium Savings account without restriction as to the source of funds, including both new money and funds already held at Lighthouse.
There is no minimum opening deposit or minimum balance required to earn the stated APY, and there is no maximum balance limit. Fees may reduce earnings. This offer may be withdrawn or modified at any time. Membership eligibility is required. Must be or become a member of Lighthouse by maintaining at least $5 in a Lighthouse Savings account. See account disclosures and Schedule of Fees for additional terms and conditions. - Deposited funds are subject to our standard funds availability policy. See your Ability to Withdraw Funds disclosure for details.
- 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.
- 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.
Savings Account Rates
| Type | Balance | Dividend Rate | APY* |
|---|---|---|---|
| Lighthouse Savings | All balances | 0.01% | 0.01% |
| Lighthouse Premium Savings | $0.00–$500.00 | 1.00% | 1.00% |
| Lighthouse Premium Savings | $500.01–$15,000.00 | 0.05% | 1.00%-0.08% |
| Lighthouse Premium Savings | $15,000.01–$100,000.00 | 0.45% | 0.08%-0.40% |
| Lighthouse Premium Savings | $100,000.01–$200,000.00 | 1.00% | 0.40%-0.70% |
| Lighthouse Premium Savings | $200,000.01–$500,000.00 | 2.23% | 0.70%-1.63% |
| Lighthouse Premium Savings | $500,000.01+ | 3.20% | 1.63%-2.48% |
* APY = Annual Percentage Yield. Must qualify for and establish membership with Lighthouse Credit Union by opening and maintaining a Lighthouse Savings account with a minimum balance of $5. APY is variable, accurate as of the last dividend declaration date of September 28, 2026, and may change at any time. Fees could reduce earnings.
The Lighthouse Premium Savings account uses a blended tiered-rate structure, meaning different portions of your balance earn different dividend rates. As a result, your actual APY will vary based on your total account balance. The APY range shown for each tier reflects the minimum and maximum APY that may be earned within that balance range.
These rates are standard Lighthouse Premium Savings rates and do not require new money. See the Lighthouse Premium Savings Promotion below for rates available on qualifying new money deposits.
Lighthouse Premium Savings
New Money Promotion Special Rates
| Type | Balance | Dividend Rate | APY** |
|---|---|---|---|
| Lighthouse Premium Savings | $0.00–$500.00 | 3.78% | 3.85% |
| Lighthouse Premium Savings | $500.01–$15,000.00 | 3.78% | 3.85% |
| Lighthouse Premium Savings | $15,000.01–$100,000.00 | 3.78% | 3.85% |
| Lighthouse Premium Savings | $100,000.01–$200,000.00 | 3.78% | 3.85% |
| Lighthouse Premium Savings | $200,000.01–$500,000.00 | 3.78% | 3.85% |
| Lighthouse Premium Savings | $500,000.01+ | 3.78% | 3.85% |
**APY = Annual Percentage Yield. The promotional dividend rate and APY are available as of September 30, 2026, on new Lighthouse Premium Savings accounts opened and funded with qualifying new money deposits. The APY is accurate as of the last dividend declaration date on September 28, 2026. Lighthouse Premium Savings is a tiered-rate account. The promotional dividend rate and APY currently apply to all balance tiers for Premium Savings accounts eligible for this promotional offer. Dividend rates and APYs are variable and may change at any time after account opening, including by balance tier. Dividend rates and APYs may vary based on account balance.
New money means funds originating from a source outside Lighthouse Credit Union within the 30 days immediately preceding their deposit into the Lighthouse Premium Savings account. No minimum opening deposit or minimum balance is required to earn the stated APY, and there is no maximum balance limit.
Offer may be withdrawn or modified at any time. Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Existing Lighthouse Premium Savings account holders must open a new Lighthouse Premium Savings account to participate. See account disclosures for additional terms and conditions. Fees may reduce earnings.
Lighthouse Premium Savings FAQs
How do the Lighthouse Premium Savings tiered rates work?
The dividend rate you earn on your Premium Savings account is based on the balance you have in each tier. For instance, with a balance of $20,000, your funds are earning dividends at the $0.01-500, $500.01-15,000.00, and the $15,000.01-100,000.00 tiers.
Can I set up automatic transfers?
Yes, and automatic recurring transfers are often a great way to build your savings without thinking about it. To set up a recurring transfer, log in to Digital Banking and choose Transfers & Payments from the top navigation. Next, select Make a Transfer and complete the fields on the next page to give us the details of your transfer. The Frequency dropdown menu lets you choose how often you’d like us to make this transfer, and the next fields that appear will allow you to set up the duration for your recurring transfer.
How do I access my savings?
You have 24/7 access to your accounts via Digital Banking and the Lighthouse Mobile App where you can view your balances and make transfers/payments. Additionally, you have access to Lighthouse branches, a nationwide network of 30k+ surcharge free ATMs, and 5,900 Co-Op Network shared branch locations across the country.
How does the charitable contribution work?
Supporting our communities and the people they serve is central to everything we do here at Lighthouse. We make this happen largely through the Lighthouse Credit Union Foundation. One of the ways to continue to grow the Foundation is through these contributions. Each month, we’ll match a percentage of members’ total Lighthouse Premium Savings balances (on us, not on you) to the Lighthouse Credit Union Foundation.
Want to make an even bigger impact? Visit the Lighthouse Credit Union Foundation to learn more!