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CREDIT BUILDER LOANS

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Rates

Improve your score. Open new doors.

  1. Get your credit on track with a loan of up to $2,000
  2. Choose what works for you with terms from 12 to 24 months
  3. Take advantage of a great rate and consistent payments

Build credit and savings

As you pay off your loan, you’ll earn dividends on the borrowed balance placed in your savings account. Rebuild credit and save while you do it.

  • Pay a fixed 6.99% APR
  • Loan discounts are available
  • Pay off your loan and keep the funds
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FROM OUR COMMUNITY

“I worked with Becky on getting a small personal loan. Simply the best experience I’ve ever had getting a loan. The professionalism, the personality, and really caring about the customer was unreal.”

Michael Q.

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.

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 checks*
Download for iPhone
Download for Android

Personal Loan Rates

Current interest rates

Loan TypeTermAPR As Low As1Description
Signature Loan (Personal)Up to 60-Months11.69%$75,000 Maximum
Certificate Secured Loan (Lighthouse CU)120-MonthsCertificate rate plus 3.00%Borrow up to 95% of certificate balance
Credit Builder LoanUp to 24-Months7.99%Minimum loan amount of $500; maximum loan amount of $2,000.

Effective date: November 21, 2024

General Loan Disclosure

Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above.

Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Rates and amounts financed are determined by your personal credit history, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval.

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

Start making an impact today

Put your money to work, and see the benefits in your accounts and the world around you.

Open an account