SHARE CERTIFICATES
See your money do more
- Maximize your savings and returns
- Choose the term that works for your goals
- Save what you want at the rate you desire
Invest in your goals
Get more from your money.
- Earn a higher return on your money than a traditional savings account.
- Save and gain without worrying about market unpredictability.
- Deposit the minimum required to open with no maximum.
FROM OUR COMMUNITY
“Katie C. did a fine job on my recent CD. Very professional and friendly.”
Gardner H.
Your money does good
Simply by being a member you’re helping to make a difference across our communities.
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Affordable Housing
We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.
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Volunteering
Our employees are given paid time off to volunteer for community programs of their choice.
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Local Organizations
We partner with organizations that help to enrich and nourish the lives of our neighbors.
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Food Access
We fund programs that help fight food insecurity across our communities.
Bank from your
phone anytime
Bank on the go with our mobile app, and keep it all on track.
- Access all of your Lighthouse accounts
- Make easy, secure loan payments
- Mobile deposit your paycheck*
Share Certificate Rates
What your savings earn
| Term | Dividend Rate | APY* | Minimum Balance |
|---|---|---|---|
| 6-Months | 4.47% | 4.56% | $500.00 |
| 11-Months Special (100% New Money) | 4.88% | 4.99% | $500.00 |
| 11-Months Special (Existing Money) | 4.36% | 4.45% | $500.00 |
| 12-Months | 4.51% | 4.61% | $500.00 |
| 18-Months | 4.17% | 4.25% | $500.00 |
| 24-Months | 3.44% | 3.50% | $500.00 |
| 36-Months | 2.37% | 2.40% | $500.00 |
| 48-Months | 2.47% | 2.50% | $500.00 |
| 60-Months | 2.52% | 2.55% | $500.00 |
Effective date: September 14, 2024
Share Certificate Disclosure
Annual Percentage Yield (APY) is subject to change without notice. Most certificates require $500 to open. Please check each individual Certificate for specific details.
Fees may reduce earnings. Dividend rates for traditional share certificates and IRA share certificates are guaranteed from the time of opening to maturity. They are subject to a penalty for early withdrawal. Please refer to your individual certificate for specific details, or look at our schedule of fees for details on fees and charges associated with Share Certificate Accounts.
Your savings federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government.
In addition, these accounts will also be insured up to an additional $125,000 by ESI, which means the combined total coverage for your accounts could be up to $375,000.
Please refer to your individual certificate for specific details, or contact a Member Service Representative at 1-888-436-1847 for complete details on your share certificate.
11-Month Share Certificate Information
11-Month – New Money Special: $500 minimum opening deposit required. Promotional rate available for funds not currently in an account with Lighthouse Federal Credit Union and have not been in an account with Lighthouse for at least 90 days prior.
Funds new-to-Lighthouse are funds deposited from external accounts or payees other than Lighthouse and must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Lighthouse or wire transfer. Cash deposits, person-to-person transfer services such as Apple Pay, PayPal®, Venmo, and Zelle®, do not qualify as funds new-to-Lighthouse, if the deposit pre-dates the opening of a new Lighthouse Savings or Checking Account, or funds have been on deposit in a Lighthouse deposit account in the last 90 days.
11-Month – Existing Money Special: $500 minimum opening deposit required.
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.
Personal Financing
- Auto Affordability Calculator
- Credit Card Debt Payoff Calculator
- College Savings Estimator
- Monthly Savings Estimator
- Loan Affordability Calculator
- Loan Rate Calculator
- Loan Payoff Calculator
- Loan Payment Calculator
- Loan Consolidation Calculator
- Auto vs. Home Equity Loan Calculator
- Debit Elimination Calculator
Start making an impact today
Let’s put your money to work for good.
Mobile Deposit Disclaimer
*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.