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 Savings

Lighthouse Savings

Savings is a vital part of achieving and maintaining financial wellness. Lighthouse Savings is a great place to get started.

Simple, Reliable Savings

Building your savings for emergencies, unexpected expenses, and more starts right here with your Lighthouse Savings Account.

Build Your Savings

Stay prepared for emergencies and unexpected expenses. Plus, earn up to $50 a month on eligible purchases. Choose to keep it or donate it. Donations will go directly to the Lighthouse Credit Union Foundation to support local communities.

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.

Protect Your Account

Mistakes happen, and that’s where overdraft protection2 has your back. You can cover overdrafts to your Lighthouse Checking account by linking your Lighthouse Savings account.
Contact us to set up overdraft protection.

  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. If you elect to have Overdraft Protection, we will transfer funds from your designated Lighthouse Credit Union account to cover overdrafts from your checking account. A transfer fee will apply, please refer to our Schedule of Fees for details.

 

Savings Account Rates

effective month/day/year

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 Savings FAQs

A common recommendation is that you should aim to keep $1,000 aside for unplanned expenses. This helps alleviate the stress that can come with emergencies, whether it’s a broken kitchen appliance or unexpected car repairs. There are many strategies to save without making big changes to your budget. Read below on setting 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.

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.

Yes, you can. Mistakes happen, and that’s where Overdraft Protection keeps you covered. When you opt in to Overdraft Protection, we’ll link your Lighthouse checking account to your Lighthouse Savings account. If a transaction comes through for more than is available in your checking account, we’ll automatically transfer funds to cover the transaction. Contact us or visit a branch to set up Overdraft Protection.2

Membership means more at Lighthouse

Being a credit union member supports community inpact by helping fund local programs through reinvested earnings. 

Affordable Housing

We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.

Volunteering

Our employees are given paid time off to volunteer for community programs of their choice.

Local Organizations

We partner with organizations that help to enrich and nourish the lives of our neighbors.

Food Access

We fund programs that help fight food insecurity across our communities.