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LIGHTHOUSE SAVINGS

A simple and easy account that helps you reach your savings goals.

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Rates

Simple and easy savings

  1. Earn a flat APY of 0.01%1
  2. No monthly fee and $5 minimum balance
  3. Unlimited transfers and withdrawals

All the essentials in one easy account. Earn dividends, keep your money safe, and access it when you need it.

Open an account today

Lighthouse Savings Benefits

  • Earn a flat APY of 0.01%1
  • No monthly fee and $5 balance
  • Unlimited transfers and withdrawals
  • Enjoy free and convenient Lighthouse digital banking
  • Access to our 17 branches, 27 ATMs, 5,900 shared branches and 30,000 sur-charge free ATMs

FROM OUR COMMUNITY

“Great experience setting up a new savings account. Allison—Member Experience Specialist—effortlessly guided me through the process. Thank you Lighthouse!”

Thomas D.

Savings Rates

What your savings earn

TypeBalanceDividend RateAPY1
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%

Lighthouse Savings Disclaimer

  1. Lighthouse Savings: Must qualify for and establish membership with Lighthouse Credit Union. The minimum balance to open a Lighthouse Savings account is $5. APY (annual percentage yield), accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings.
    Lighthouse Premium Savings: Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. APY (annual percentage yield) accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings.

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.

Is an Auto Loan or Home Equity Loan best for purchasing a car?

This calculator helps determine if a home equity loan may be better than standard automobile financing for purchasing a car. Home equity loans often have lower interest rates than auto loans and the interest may be tax deductible.

All fields are required.

Auto Loan Information

term in months or years

Home Equity Loan Information


Calculator Results

A home equity loan will save you $1,845.32 over the life of the loan.

Loan Payment Information

Auto Loan

Home Equity Loan

Monthly payments

$490.51

$472.15

Total payments

$23,544.63

$22,662.97

Tax savings

$0.00

$963.66

Tax adjusted total savings

$1,845.32


Calculator tips

This calculator uses monthly compounding and monthly payment frequency.

Currently:

  • Some states do not tax the sales of automobiles.
    If you purchase a vehicle in one of these states, enter 0% for the sales tax rate.
  • Some states do not allow deductions for trade-ins when calculating sales tax.
    If you purchase a vehicle in one of these states, be sure to check the box under Auto Loan Information.

Calculator disclaimer

The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Presented by TimeValue Software ©2025

Personal Financing

Your money does good

Simply by being a member you’re helping to make a difference across our communities.

  • 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.

Start making an impact today

Let’s put your money to work for good.

Open an account

Lighthouse Savings Disclaimer

  1. Lighthouse Savings: Must qualify for and establish membership with Lighthouse Credit Union. The minimum balance to open a Lighthouse Savings account is $5. APY (annual percentage yield), accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings.
    Lighthouse Premium Savings: Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. APY (annual percentage yield) accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings.