Savings is a vital part of achieving and maintaining financial wellness. Lighthouse Savings is a great place to get started.
Building your savings for emergencies, unexpected expenses, and more starts right here with your Lighthouse Savings Account.
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.
24/7, nationwide access via Digital Banking and the Lighthouse
Mobile App. Manage your accounts, transfer funds, deposit
checks,1 and more.
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.
effective month/day/year
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 07/28/2025, and may change at any time. Fees could reduce earnings.
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.
Being a credit union member supports community inpact by helping fund local programs through reinvested earnings.
We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.
Our employees are given paid time off to volunteer for community programs of their choice.
We partner with organizations that help to enrich and nourish the lives of our neighbors.
We fund programs that help fight food insecurity across our communities.