Lighthouse Credit Union remains committed to supporting our members during the Federal Government Shutdown. If you were impacted and need assistance, please reach out to our team to see how we can help.
Lighthouse Credit Union
| Type | Balance | Dividend Rate | APY* |
|---|---|---|---|
| Lighthouse Savings | All balances | 0.01% | 0.01% |
| Lighthouse Premium Savings | $0.00–$500.00 | 1.00% | 1.00% |
| Lighthouse Premium Savings | $500.01–$15,000.00 | 0.05% | 1.00%-0.08% |
| Lighthouse Premium Savings | $15,000.01–$100,000.00 | 0.45% | 0.08%-0.40% |
| Lighthouse Premium Savings | $100,000.01–$200,000.00 | 1.00% | 0.40%-0.70% |
| Lighthouse Premium Savings | $200,000.01–$500,000.00 | 2.23% | 0.70%-1.63% |
| Lighthouse Premium Savings | $500,000.01+ | 3.20% | 1.63%-2.48% |
* APY = Annual Percentage Yield. Must qualify for and establish membership with Lighthouse Credit Union by opening and maintaining a Lighthouse Savings account with a minimum balance of $5. APY is variable, accurate as of the last dividend declaration date of 07/28/2025, and may change at any time. Fees could reduce earnings.
| Card Type | APR As Low As¹ | Description |
|---|---|---|
| Lighthouse Anchor Card | 12.99% | Variable rate |
| Lighthouse Navigator Card | 15.99% | Variable rate |
| Term | Dividend Rate | APY1 | Minimum Balance |
|---|---|---|---|
| 6-Months | 4.41% | 4.50% | $500.00 |
| 12-Months | 3.69% | 3.75% | $500.00 |
| 18-Months | 3.40% | 3.45% | $500.00 |
| 24-Months | 2.91% | 2.95% | $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 |
1APY = Annual Percentage Yield. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. The minimum balance to open a fixed rate share certificate and earn the advertised APY is $500. Advertised APY is effective as of 9/23/2025, and may change at any time, as determined by the Board of Directors. The dividend rate at the time of account opening will remain in effect for the entire term of the fixed rate share certificate. The advertised APY assumes dividends will remain in the share certificate account until maturity. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Please refer to our Schedule of Fees and Truth in Savings disclosure for more details. IRA certificate accounts cannot be opened online and are subject to legal requirements and limitations; consult with your tax advisor for specific details.
| Term | Dividend Rate | APY* | Minimum Balance |
|---|---|---|---|
| 24-Months | 4.09% | 4.17% | $500.00 |
*APY = Annual Percentage Yield. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. The minimum balance to open a variable rate share certificate and earn the advertised APY is $500. This is a variable rate account; the dividend rate is subject to change monthly after the account is opened based on the Federal Funds Rate (“index”) as of the last business day of the month. Advertised APY is accurate as of 10/1/2025 and based on Federal Funds Rate in effect on 9/30/2025. The advertised APY assumes dividends will remain in the share certificate account for the entire 24-month term. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Please refer to our Schedule of Fees and Truth in Savings disclosure for more details. IRA certificate accounts cannot be opened online and are subject to legal requirements and limitations; consult with your tax advisor for specific details. The dividend rate will never be less than 2.50% (minimum APY of 2.53%) and will never exceed 5.50% (maximum APY 5.64%). APY calculations are based on the minimum and maximum dividend rates being in effect for the entire 24-Month term.
| Term | APR As Low As1 | Monthly Payment Per $1,000 | Model Year |
|---|---|---|---|
| Up to 63 Months | 5.49% | 19.28 | 2025-2023 |
| 64-75 Months | 5.84% | 20.26 | 2025-2023 |
| 76-84 Months | 6.44% | 20.55 | 2025-2023 |
| 85-96 Months | 6.94% | 20.80 | 2025-2023 |
| Up to 63 Months | 5.74% | 20.21 | 2022-2018 |
| 64-75 Months | 6.29% | 20.48 | 2022-2018 |
| 76-84 Months | 6.84% | 20.75 | 2022-2018 |
| Up to 63 Months | 6.89% | 20.78 | 2017-2016 |
| Up to 48 Months | 9.89% | 22.31 | 2015-2014 |
| Up to 48 Months | 9.89% | 22.31 | 2013 |
| Term | APR As Low As1 | Minimum Balance | Model Year |
|---|---|---|---|
| Up to 60 Months | 8.19% | $5,000 | 2025-2022 |
| 61-120 Months | 8.69% | $25,000 | 2025-2022 |
| 121-180 Months | 9.69% | $50,000 | 2025-2022 |
| Up to 60 Months | 8.24% | $5,000 | 2021-2015 |
| 61-120 Months | 9.19% | $25,000 | 2021-2015 |
| 121-180 Months | 9.79% | $50,000 | 2021-2015 |
| Term | APR As Low As | Model Year |
|---|---|---|
| 12-36 Months | 6.19% | 2025-2020 |
| 37-48 Months | 6.69% | 2025-2020 |
| 49-65 Months | 7.29% | 2025-2020 |
| 66-72 Months | 7.69% | 2025-2020 |
| 12-36 Months | 6.59% | 2019-2017 |
| 37-48 Months | 6.99% | 2019-2017 |
| 49-63 Months | 7.59% | 2019-2017 |
| Loan Type | Rate Type | Interest Rate | Points | APR |
|---|---|---|---|---|
| 15-Year Fixed (Conventional) | Fixed | 5.625% | 2.00 | 6.271% |
| 15-Year Fixed (Conventional) | Fixed | 5.750% | 1.00 | 6.236% |
| 15-Year Fixed (Conventional) | Fixed | 5.875% | 0.00 | 6.203% |
| 30-Year Fixed (Conventional) | Fixed | 6.250% | 2.00 | 6.652% |
| 30-Year Fixed (Conventional) | Fixed | 6.375% | 1.00 | 6.680% |
| 30-Year Fixed (Conventional) | Fixed | 6.500% | 0.00 | 6.708% |
| 20-Year Fixed (Conventional) | Fixed | 5.750% | 2.00 | 6.266% |
| 20-Year Fixed (Conventional) | Fixed | 5.875% | 1.00 | 6.264% |
| 20-Year Fixed (Conventional) | Fixed | 6.000% | 0.00 | 6.263% |
| 30-Year Fixed Home 97 | Fixed | 6.250% | 2.00 | 6.652% |
| 30-Year Fixed Home 97 | Fixed | 6.375% | 1.00 | 6.680% |
| 30-Year Fixed Home 97 | Fixed | 6.500% | 0.00 | 6.708% |
| 30-Year Fixed Home 100 | Fixed | 6.250% | 2.00 | 6.652% |
| 30-Year Fixed Home 100 | Fixed | 6.375% | 1.00 | 6.680% |
| 30-Year Fixed Home 100 | Fixed | 6.500% | 0.00 | 6.708% |
| 15-Year Fixed Jumbo | Fixed | 5.625% | 2.00 | 6.048% |
| 15-Year Fixed Jumbo | Fixed | 5.750% | 1.00 | 6.017% |
| 15-Year Fixed Jumbo | Fixed | 5.875% | 0.00 | 5.986% |
| 30-Year Fixed Jumbo | Fixed | 6.250% | 2.00 | 6.515% |
| 30-Year Fixed Jumbo | Fixed | 6.375% | 1.00 | 6.544% |
| 30-Year Fixed Jumbo | Fixed | 6.500% | 0.00 | 6.573% |
| 3/1 Year ARM (Conforming) | Variable | 5.125% | 2.00 | 6.665% |
| 3/1 Year ARM (Conforming) | Variable | 5.250% | 1.00 | 6.609% |
| 3/1 Year ARM (Conforming) | Variable | 5.375% | 0.00 | 6.554% |
| 5/1 Year ARM (Conforming) | Variable | 5.250% | 2.00 | 6.506% |
| 5/1 Year ARM (Conforming) | Variable | 5.375% | 1.00 | 6.467% |
| 5/1 Year ARM (Conforming) | Variable | 5.500% | 0.00 | 6.430% |
| Home 97 5/1 Year ARM | Variable | 5.250% | 2.00 | 6.506% |
| Home 97 5/1 Year ARM | Variable | 5.375% | 1.00 | 6.467% |
| Home 97 5/1 Year ARM | Variable | 5.500% | 0.00 | 6.430% |
| 7/1 Year ARM (Conforming) | Variable | 5.375% | 2.00 | 6.368% |
| 7/1 Year ARM (Conforming) | Variable | 5.500% | 1.00 | 6.337% |
| 7/1 Year ARM (Conforming) | Variable | 5.625% | 0.00 | 6.307% |
| 10/1 Year ARM (Conforming) | Variable | 5.500% | 2.00 | 6.269% |
| 10/1 Year ARM (Conforming) | Variable | 5.625% | 1.00 | 6.257% |
| 10/1 Year ARM (Conforming) | Variable | 5.750% | 0.00 | 6.245% |
| Home 100 10/1 Year ARM | Variable | 5.500% | 2.00 | 6.269% |
| Home 100 10/1 Year ARM | Variable | 5.625% | 1.00 | 6.257% |
| Home 100 10/1 Year ARM | Variable | 5.750% | 0.00 | 6.245% |
| Home 100 7/1 Year ARM | Variable | 5.375% | 2.00 | 6.368% |
| Home 100 7/1 Year ARM | Variable | 5.500% | 1.00 | 6.337% |
| Home 100 7/1 Year ARM | Variable | 5.625% | 0.00 | 6.307% |
| Home 97 10/1 Year ARM | Variable | 5.500% | 2.00 | 6.269% |
| Home 97 10/1 Year ARM | Variable | 5.625% | 1.00 | 6.257% |
| Home 97 10/1 Year ARM | Variable | 5.750% | 0.00 | 6.245% |
| Home 97 7/1 Year ARM | Variable | 5.375% | 2.00 | 6.368% |
| Home 97 7/1 Year ARM | Variable | 5.500% | 1.00 | 6.337% |
| Home 97 7/1 Year ARM | Variable | 5.625% | 0.00 | 6.307% |
| HLPR (3/1 Year ARM) | Variable | 4.625% | 0.00 | 5.937% |
| 1/1 Arm Land Loan | Variable | 9.500% | 0.00 | 10.022% |
| Loan Type | Interest Rate | Points | APR |
|---|---|---|---|
| 30-Year Fixed | 6.500% | 0.00 | 6.759% |
| 30-Year Fixed Jumbo | 6.500% | 0.00 | 6.621% |
| 1/1 ARM Land Loan | 9.500% | 0.00 | 10.022% |
| Loan Type | Term | APR As Low As | Monthly Payment Per $1000 | Description |
|---|---|---|---|---|
| Home Heating Loan | Up to 12-Months | 5.69% | $85.92 | $1,000 Minimum/$5,000 Maximum |
| Energy Efficiency Loan | Up to 84-Months | 2.00% | $12.77 | Must get approval by Electric company. $15,000 Maximum |
| Energy Efficiency Loan - Eversource Customers | Up to 84-Months | 0.00% | $14.97 | Must get approval by Electric company. $15,000 Maximum |
| No Equity Loan | Up to 60-Months | 10.69% | $21.59 | $1000 Minimum/$60,000 Maximum |
| No Equity Loan | Up to 84-Months | 11.69% | $16.96 | $1000 Minimum/$60,000 Maximum |
| Loan Type | Term | APR As Low As | Loan To Value Ratio |
|---|---|---|---|
| Home Equity Loan Second-Lien (Real Smart) | Up to 60-Months | 7.49% | 81-90% |
| Home Equity Loan Second-Lien (Real Smart) | Up to 84-Months | 5.89% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | Up to 84-Months | 6.39% | 71-80% |
| Home Equity Loan Second-Lien (Real Smart) | 61-120 Months | 7.99% | 81-90% |
| Home Equity Loan Second-Lien (Real Smart) | 85-107-Months | 6.09% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 85-107-Months | 6.69% | 71-80% |
| Home Equity Loan Second-Lien (Real Smart) | 108-120-Months | 6.39% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 108-120-Months | 6.89% | 71-80% |
| Home Equity Loan Second-Lien (Real Smart) | 121-180 Months | 6.89% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 121-180 Months | 7.39% | 71-80% |
| HELOC (Interest Only) | 10-Year Draw Period/15-Year Payback Period | 7.25% | Up to 80% |
| HELOC (Interest Only) | 10-Year Draw Period/15-Year Payback Period | 7.5% | 81-90% |
| Home Equity Loan First-Lien (Home Advantage) | 15-Year | 6.075% | Up to 80% |
| Loan Type | Term | APR As Low As1 | Description |
|---|---|---|---|
| Signature Loan (Personal) | Up to 60-Months | 11.69% | $75,000 Maximum |
| Certificate Secured Loan (Lighthouse CU) | 120-Months | Certificate rate plus 3.00% | Borrow up to 95% of certificate balance |
| Credit Builder Loan | Up to 24-Months | 7.99% | Minimum loan amount of $500; maximum loan amount of $2,000. |
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $4,999 | 0.00% | 0.00% |
| $5,000+ | 0.01% | 0.01% |
| Balance | APY | Interest Rate |
|---|---|---|
| All Balances | 0.01% | 0.01% |
| APR As Low As | Description |
|---|---|
| 14.25% | Variable rate |
| Prime + 7.00% |