1. For valid referrals submitted 11/01/2025–11/30/2025 (“Promotional Period”), both the Referrer and the Referee will each receive a $100 Virtual Visa® Prepaid Card (“Promotional Reward”). This is an increase from the standard Referral Reward value of $50. To qualify for the Promotional Reward, the referral must be submitted during the Promotional Period. Referrals submitted prior to 11/01/2025 and after 11/30/2025 are not eligible for the Promotional Reward, even if the Referee opens their account during the Promotional Period. To qualify for the Promotional Reward, the Referrer must be an existing Lighthouse Credit Union member in good standing with a minimum balance of $5 in a Lighthouse Savings account and have a valid email address on file. The Referrer must submit the Referee’s email address through the official referral site, or by visiting or contacting any Lighthouse Credit Union branch or Contact Center during the Promotional Period. The Referee must satisfy all the following Qualifying Actions for the referral to be considered valid: (1) Be referred by a Referrer and use the same email address associated with their new account as the one provided by the Referrer at the time of referral; (2) Not be a current member of Lighthouse Credit Union and not have held membership within the prior six (6) months; (3) Be eligible for and establish membership by opening a Lighthouse Savings account with a minimum deposit of $5; (4) Open a checking account with Lighthouse Credit Union; (5) Complete a minimum of five (5) debit card purchases (excluding ATM transactions and fees) within sixty (60) calendar days of checking account opening; and (6) Maintain the checking account in an open status for a minimum of sixty (60) calendar days. Both the Referrer and Referee must be at least eighteen (18) years of age and must not have caused a loss to Lighthouse Credit Union, whether resolved or outstanding. Upon verification that all Qualifying Actions have been completed within the required timeframes, the Promotional Reward will be delivered via email to both the Referrer and Referee within four (4) weeks. This promotional offer remains subject to all the terms and conditions of the Lighthouse Credit Union Referral Program except as modified by this offer. The Promotional Rewards will be included in the maximum annual Reward limit of $550 in total Referral Rewards per calendar year. All tax obligations arising from or related to any Reward shall be the responsibility of the Reward recipient. Any required tax documentation will be provided by Lighthouse Credit Union as applicable. This promotional offer is subject to change or termination at any time without notice. For full eligibility requirements and additional terms, please refer to the complete Lighthouse Credit Union Referral Program Terms and Conditions.

2. Offer valid only for new Lighthouse Anchor Visa® Card or Lighthouse Navigator Visa® Card accounts applied for from 11/01/2025–11/30/2025. To qualify for the $200 Virtual Visa® Prepaid Card (“Reward”), you must be approved for and open a new unsecured credit card account and make at least $1,500.00 in net purchases (purchases minus returns, credits, or adjustments) within the first ninety (90) calendar days of account opening. Cash advances, balance transfers, ATM withdrawals, fees, and interest charges do not count toward the qualifying minimum spend requirement. Limit one (1) Reward per member, regardless of number of new credit card accounts opened. Rewards will be delivered within four (4) weeks after all qualifying requirements are validated. Rewards must be claimed within four (4) months of being delivered. Members must not have any charged-off accounts with Lighthouse Credit Union to qualify for the Reward. Membership and credit card account must remain open through the date the Reward is delivered. Offer may be changed or withdrawn at any time without notice. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. All loans are subject to credit approval. Not all applicants will qualify. Employees of Lighthouse Credit Union are not eligible. Additional terms and conditions apply. See Credit Card Welcome Offer Terms and Conditions for complete details. Visa is a registered trademark of the Visa International Service Association.

3. Two times (2x) the cash back on eligible debit card purchases for Lighthouse Rewards Checking members. During the month of November 2025, Lighthouse Rewards Checking members will earn 2% cash back on eligible debit card purchases up to $5,000 in debit card spend during the month. The maximum amount of cash back that can be earned is $100 per account, including joint accounts. Eligible transactions must post to your account in November 2025 to earn cash back. Cash back bonus will be credited to the members’ Lighthouse Rewards Checking account on the last day of the month. We reserve the right to modify or terminate any offer, and to revise terms, at any time without prior notice. We may issue tax documents if required by law. For full details on eligible spend, please review the Lighthouse Rewards Checking Account Guide.

4. Two times (2x) the rewards on qualifying purchases, net of returns (net purchases) that are charged and posted to an eligible Lighthouse Credit Union Credit Card account during the promotional period. Qualifying purchases do not include cash advances* or balance transfers. No points are awarded for finance charges, fees, foreign currency conversion charges or insurance charges to your account. Points will not be earned on any purchases deemed fraudulent or unauthorized. Unused points will expire if not used within 60 months. Promotional terms are in addition to your original disclosures provided at time of account opening. Promotional earnings post in accordance with program operations and may take up to two billing cycles after the promotional period ends. We reserve the right to modify or terminate any offer, and to revise terms, at any time without prior notice. To learn more about eligible cards and rewards, please review the FAQ. This promotional offer remains subject to all of the terms and conditions of the Lighthouse Credit Union Credit Card account rewards program, except as modified by this offer. *Cash advances also include convenience checks, ATM advances for overdraft protection, advances through automated phone banking, online banking or PIN-based purchase transactions.

5. Offer available for auto loan refinance applications submitted 10/31/2025–12/01/2025. Receive a 0.75% Refinance Loan Discount when you refinance an existing auto loan from another lender with Lighthouse Credit Union. This offer is available for a limited time and may be modified or discontinued at any time without prior 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.

6. Offer valid for personal loan applications submitted 10/31/2025–12/01/2025.

7. No closing costs to first-time applicants (exceptions may apply). Otherwise, closing costs could be up to $1,000. Property insurance required. Flood insurance is required if the property is located in a flood zone. All loans are subject to credit approval.