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Rates
Personal rates
Savings Accounts
| Type | Balance | Dividend Rate | APY1 |
|---|---|---|---|
| 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% |
Effective date: January 17, 2025
Lighthouse Savings Disclaimer
- Lighthouse Savings: Must qualify for and establish membership with Lighthouse Credit Union. The minimum balance to open a Lighthouse Savings account is $5. APY (annual percentage yield), accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings.
Lighthouse Premium Savings: Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. APY (annual percentage yield) accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings.
Lighthouse Premium Savings Disclaimer
- Lighthouse Savings: Must qualify for and establish membership with Lighthouse Credit Union. The minimum balance to open a Lighthouse Savings account is $5. APY (annual percentage yield), accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings.
Lighthouse Premium Savings: Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. APY (annual percentage yield) accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings. APY (annual percentage yield), accurate as of the last dividend declaration date, and may change at any time, as determined by the Board of Directors. Fees could reduce earnings. - Donation made by Lighthouse Federal Credit Union to the Lighthouse Foundation based on the average balance held in the Lighthouse Premium Savings account. Donation is not made on behalf of the member and will not result in any tax implications for the member.
Credit Cards
| Card Type | APR As Low As¹ | Description |
|---|---|---|
| Lighthouse Anchor Card | 13.24% | Variable rate |
| Lighthouse Navigator Card | 16.24% | Variable rate |
Effective date: January 17, 2025
Loan rates
Auto Loans
| Term | APR As Low As1 | Monthly Payment Per $1,000 | Model Year |
|---|---|---|---|
| Up to 63 Months | 5.99% | 19.81 | 2025-2023 |
| 64-75 Months | 6.14% | 17.39 | 2025-2023 |
| 76-84 Months | 6.94% | 16.4 | 2025-2023 |
| Up to 63 Months | 6.24% | 19.93 | 2022-2018 |
| 64-75 Months | 6.59% | 17.61 | 2022-2018 |
| 76-84 Months | 7.19% | 16.53 | 2022-2018 |
| Up to 63 Months | 7.29% | 20.45 | 2017-2016 |
| Up to 48 Months | 10.29% | 26.81 | 2015-2014 |
| Up to 48 Months | 10.29% | 19.42 | 2013 |
Effective date: January 17, 2025
Boat & RV Loans
| 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 |
Effective date: January 17, 2025
Motorcycle & Powersport Loans
| 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 |
Effective date: January 17, 2025
Mortgages
| Loan Type | Rate Type | Interest Rate | Points | APR |
|---|---|---|---|---|
| 15-Year Fixed (Conventional) | Fixed | 6.250% | 2.00 | 6.916% |
| 15-Year Fixed (Conventional) | Fixed | 6.375% | 1.00 | 6.879% |
| 15-Year Fixed (Conventional) | Fixed | 6.500% | 0.00 | 6.842% |
| 30-Year Fixed (Conventional) | Fixed | 6.875% | 2.00 | 7.298% |
| 30-Year Fixed (Conventional) | Fixed | 7.000% | 1.00 | 7.322% |
| 30-Year Fixed (Conventional) | Fixed | 7.125% | 0.00 | 7.346% |
| 20-Year Fixed (Conventional) | Fixed | 6.625% | 2.00 | 7.169% |
| 20-Year Fixed (Conventional) | Fixed | 6.750% | 1.00 | 7.162% |
| 20-Year Fixed (Conventional) | Fixed | 6.875% | 0.00 | 7.157% |
| 30-Year Fixed Home 97 | Fixed | 6.875% | 2.00 | 7.298% |
| 30-Year Fixed Home 97 | Fixed | 7.000% | 1.00 | 7.322% |
| 30-Year Fixed Home 97 | Fixed | 7.125% | 0.00 | 7.346% |
| 30-Year Fixed Home 100 | Fixed | 6.875% | 2.00 | 7.298% |
| 30-Year Fixed Home 100 | Fixed | 7.000% | 1.00 | 7.322% |
| 30-Year Fixed Home 100 | Fixed | 7.125% | 0.00 | 7.346% |
| 15-Year Fixed Jumbo | Fixed | 6.250% | 2.00 | 6.690% |
| 15-Year Fixed Jumbo | Fixed | 6.375% | 1.00 | 6.655% |
| 15-Year Fixed Jumbo | Fixed | 6.500% | 0.00 | 6.621% |
| 30-Year Fixed Jumbo | Fixed | 6.875% | 2.00 | 7.156% |
| 30-Year Fixed Jumbo | Fixed | 7.000% | 1.00 | 7.181% |
| 30-Year Fixed Jumbo | Fixed | 7.125% | 0.00 | 7.207% |
| 3/1 Year ARM (Conforming) | Variable | 6.125% | 2.00 | 7.432% |
| 3/1 Year ARM (Conforming) | Variable | 6.250% | 1.00 | 7.373% |
| 3/1 Year ARM (Conforming) | Variable | 6.375% | 0.00 | 7.315% |
| 5/1 Year ARM (Conforming) | Variable | 6.250% | 2.00 | 7.318% |
| 5/1 Year ARM (Conforming) | Variable | 6.375% | 1.00 | 7.277% |
| 5/1 Year ARM (Conforming) | Variable | 6.500% | 0.00 | 7.236% |
| Home 97 5/1 Year ARM | Variable | 6.250% | 2.00 | 7.318% |
| Home 97 5/1 Year ARM | Variable | 6.375% | 1.00 | 7.277% |
| Home 97 5/1 Year ARM | Variable | 6.500% | 0.00 | 7.236% |
| 7/1 Year ARM (Conforming) | Variable | 6.375% | 2.00 | 7.201% |
| 7/1 Year ARM (Conforming) | Variable | 6.500% | 1.00 | 7.167% |
| 7/1 Year ARM (Conforming) | Variable | 6.625% | 0.00 | 7.133% |
| 10/1 Year ARM (Conforming) | Variable | 6.500% | 2.00 | 7.159% |
| 10/1 Year ARM (Conforming) | Variable | 6.625% | 1.00 | 7.143% |
| 10/1 Year ARM (Conforming) | Variable | 6.750% | 0.00 | 7.128% |
| Home 100 10/1 Year ARM | Variable | 6.500% | 2.00 | 7.159% |
| Home 100 10/1 Year ARM | Variable | 6.625% | 1.00 | 7.143% |
| Home 100 10/1 Year ARM | Variable | 6.750% | 0.00 | 7.128% |
| Home 100 7/1 Year ARM | Variable | 6.375% | 2.00 | 7.201% |
| Home 100 7/1 Year ARM | Variable | 6.500% | 1.00 | 7.167% |
| Home 100 7/1 Year ARM | Variable | 6.625% | 0.00 | 7.133% |
| Home 97 10/1 Year ARM | Variable | 6.500% | 2.00 | 7.159% |
| Home 97 10/1 Year ARM | Variable | 6.625% | 1.00 | 7.143% |
| Home 97 10/1 Year ARM | Variable | 6.750% | 0.00 | 7.128% |
| Home 97 7/1 Year ARM | Variable | 6.375% | 2.00 | 7.201% |
| Home 97 7/1 Year ARM | Variable | 6.500% | 1.00 | 7.167% |
| Home 97 7/1 Year ARM | Variable | 6.625% | 0.00 | 7.133% |
| HLPR (3/1 Year ARM) | Variable | 5.750% | 0.00 | 6.754% |
| 1/1 Arm Land Loan | Variable | 10.375% | 0.00 | 10.710% |
Effective date: January 17, 2025
Construction Loans
| Loan Type | Interest Rate | Points | APR |
|---|---|---|---|
| 30-Year Fixed | 7.125% | 0.00 | 7.394% |
| 30-Year Fixed Jumbo | 7.125% | 0.00 | 7.250% |
| 1/1 ARM Land Loan | 10.375% | 0.00 | 10.710% |
Effective date: January 17, 2025
Home Improvement Loans
| Loan Type | Term | APR As Low As | 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 |
Effective date: January 17, 2025
Home Equity Loans
| 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 | 6.19% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | Up to 84-Months | 6.69% | 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 | 6.39% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 85-107-Months | 6.99% | 71-80% |
| Home Equity Loan Second-Lien (Real Smart) | 108-120-Months | 6.69% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 108-120-Months | 7.19% | 71-80% |
| Home Equity Loan Second-Lien (Real Smart) | 121-180 Months | 7.19% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 121-180 Months | 7.69% | 71-80% |
| HELOC (Interest Only) | 10-Year Draw Period/15-Year Payback Period | 7.5% | Up to 80% |
| HELOC (Interest Only) | 10-Year Draw Period/15-Year Payback Period | 7.75% | 81-90% |
| Home Equity Loan First-Lien (Home Advantage) | 15-Year | 6.575% | Up to 80% |
Effective date: January 17, 2025
Personal Loans
| 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. |
Effective date: January 17, 2025
Business rates
Business Checking
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $4,999 | 0.00% | 0.00% |
| $5,000+ | 0.01% | 0.01% |
Effective date: January 17, 2025
Business Savings
| Balance | APY | Interest Rate |
|---|---|---|
| All Balances | 0.01% | 0.01% |
Effective date: January 17, 2025
Business Credit Card
| APR As Low As | Description |
|---|---|
| 15.00% | Variable rate |
| Prime + 7.00% |
Effective date: January 17, 2025
