Start making an impact today
Put your money to work, and see the benefits in your accounts and the world around you.
AUTO LOANS
We get you where you’re going
- Optional no payment for 90 days
- Upgrade your current car or truck with a new auto loan
- Refinance your current loan for more affordable payments
100% financing available
Vehicles get you where you need to be so you can reach your goals. We help you get on the road fast with loan options that work for you.
- Borrow up to 100% of the total cost
- Take advantage of fixed low rates
- Work with one of our partner dealerships
FROM OUR COMMUNITY
“Sarah was superb in helping me refinance my vehicle. Making sure I received the lowest rate possible. Very pleasant throughout the process.”
Scott R.
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 checks*
Auto Loan Rates
Current interest rates
| Term | APR As Low As1 | Monthly Payment Per $1,000 | Model Year |
|---|---|---|---|
| Up to 63 Months | 5.99% | 19.81 | 2024-2022 |
| 64-75 Months | 6.14% | 17.39 | 2024-2022 |
| 76-84 Months | 6.94% | 16.4 | 2024-2022 |
| Up to 63 Months | 6.24% | 19.93 | 2021-2017 |
| 64-75 Months | 6.59% | 17.61 | 2021-2017 |
| 76-84 Months | 7.19% | 16.53 | 2021-2017 |
| Up to 63 Months | 7.29% | 20.45 | 2016-2015 |
| Up to 48 Months | 10.29% | 26.81 | 2014-2012 |
Effective date: November 22, 2024
Auto Loan Disclosure
Rates are shown as an Annual Percentage Rate (APR) and are subject to change without notice.
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.
- Rates include loan discount. Loan discounts do not apply to CULA leases. 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. For a 76-84 month loan, the minimum amount financed is $20,000.
Auto Loan Payment Example
A $15,000 auto loan with a rate of 6.29% for 63 months. Monthly payment is approximately $293.57. Total Finance charge is approximately $2,778.00 (includes debt protection).
90-Day No Payment Information
Offer subject to change at any time. Finance charges begin accruing as of the loan origination date, other restrictions may apply. Offer may extend the term of your loan. Not available when refinancing an existing Lighthouse Federal Credit Union Auto Loan. Loan subject to credit approval and final rate is determined by credit history. Must ask for 90 Days No Payment Program at dealership before loan signing.
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
