Lighthouse Credit Union remains committed to supporting our members during the Federal Government Shutdown. If you were impacted and need assistance, please reach out to our team to see how we can help.

Lighthouse Credit Union

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Lighthouse Premium Savings

Lighthouse Premium Savings

Grow your savings while driving community support

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​

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,1 and more.

Community Support

We’ll make a monthly donation2 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

  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. 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

TypeBalanceDividend RateAPY*
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%

* 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 07/28/2025, and may change at any time. Fees could reduce earnings.

Lighthouse Premium Savings FAQs

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.

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.

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.

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!