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 1/27/2026, and may change at any time. Fees may reduce earnings.
| Card Type | APR As Low As¹ | Description |
|---|---|---|
| Lighthouse Anchor Card | 12.74% | Variable rate |
| Lighthouse Navigator Card | 15.74% | Variable rate |
| Term | Dividend Rate | APY1 | Minimum Balance |
|---|---|---|---|
| 6-Months | 3.78% | 3.85% | $500.00 |
| 12-Months | 3.93% | 4.00% | $500.00 |
| 18-Months | 3.59% | 3.65% | $500.00 |
| 24-Months | 3.69% | 3.75% | $500.00 |
| 36-Months | 2.96% | 3.00% | $500.00 |
| 48-Months | 2.47% | 2.50% | $500.00 |
| 60-Months | 2.52% | 2.55% | $500.00 |
1APY = Annual Percentage Yield. Must be or become a member of Lighthouse Credit Union by maintaining 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 the date shown above, 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 | 3.88% | 3.95% | $500.00 |
*APY = Annual Percentage Yield. Must be or become a member of Lighthouse Credit Union by maintaining 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 the date above and is based on Federal Funds Rate in effect on 9/30/2026. 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 | 5.74% | $19.30 | 2026-2024 |
| 64-75 Months | 6.04% | $16.92 | 2026-2024 |
| 76-84 Months | 6.74% | $15.88 | 2026-2024 |
| 85-96 Months | 7.49% | $14.78 | 2026-2024 |
| Up to 63 Months | 5.99% | $19.43 | 2023-2019 |
| 64-75 Months | 6.49% | $17.15 | 2023-2019 |
| 76-84 Months | 7.04% | $16.04 | 2023-2019 |
| Up to 63 Months | 7.14% | $20.02 | 2018-2017 |
| Up to 48 Months | 10.14% | $26.51 | 2016-2015 |
| Up to 48 Months | 10.14% | $26.51 | 2014 |
| Term | APR As Low As1 | Minimum Balance | Model Year |
|---|---|---|---|
| Up to 60 Months | 8.19% | $5,000 | 2026-2023 |
| 61-120 Months | 8.69% | $25,000 | 2026-2023 |
| 121-180 Months | 9.69% | $50,000 | 2026-2023 |
| Up to 60 Months | 8.24% | $5,000 | 2022-2016 |
| 61-120 Months | 9.19% | $25,000 | 2022-2016 |
| 121-180 Months | 9.79% | $50,000 | 2022-2016 |
| Term | APR As Low As | Model Year |
|---|---|---|
| 12-36 Months | 6.69% | 2026-2021 |
| 37-48 Months | 7.19% | 2026-2021 |
| 49-65 Months | 7.79% | 2026-2021 |
| 66-72 Months | 8.19% | 2026-2021 |
| 12-36 Months | 7.09% | 2020-2018 |
| 37-48 Months | 7.49% | 2020-2018 |
| 49-63 Months | 8.09% | 2020-2018 |
| Loan Type | Rate Type | Interest Rate | Points | APR |
|---|---|---|---|---|
| 15-Year Fixed Mortgage (Conventional) | Fixed | 7.125% | 0 | 7.483% |
| 20-Year Fixed Mortgage (Conventional) | Fixed | 7.750% | 0 | 8.052% |
| 30-Year Fixed Mortgage (Conventional) | Fixed | 8.000% | 0 | 8.242% |
| 40-Year Fixed Mortgage* | Fixed | 8.125% | 0 | 8.341% |
| Home 97 30-Year Fixed Mortgage | Fixed | 8.000% | 0 | 8.242% |
| Home 100 30-Year Fixed Mortgage | Fixed | 8.000% | 0 | 8.242% |
| Pathways Service 30-Year Fixed Mortgage** | Fixed | 8.000% | 0 | 8.242% |
| Jumbo 15-Year Fixed Mortgage | Fixed | 7.125% | 0 | 7.257% |
| Jumbo 30-Year Fixed Mortgage | Fixed | 8.000% | 0 | 8.094% |
| Construction Loan 30-Year Fixed Mortgage | Fixed | 8.000% | 0 | 8.283% |
| Jumbo Construction Loan 30-Year Fixed Mortgage | Fixed | 8.000% | 0 | 8.132% |
| 3/1 ARM (Conforming) | Variable | 6.875% | 0 | 7.658% |
| 5/1 ARM (Conforming) | Variable | 7.000% | 0 | 7.611% |
| 7/1 ARM (Conforming) | Variable | 7.125% | 0 | 7.522% |
| 10/1 ARM (Conforming) | Variable | 7.250% | 0 | 7.555% |
| 40-Year 7/1 ARM* | Variable | 7.125% | 0 | 7.516% |
| Pathways Service 7/1 ARM** | Variable | 7.125% | 0 | 7.522% |
| Pathways Service 10/1 ARM** | Variable | 7.250% | 0 | 7.555% |
| Home 97 5/1 ARM | Variable | 7.000% | 0 | 7.611% |
| Home 97 7/1 ARM | Variable | 7.125% | 0 | 7.522% |
| Home 97 10/1 ARM | Variable | 7.250% | 0 | 7.555% |
| Home 100 7/1 ARM | Variable | 7.125% | 0 | 7.522% |
| Home 100 10/1 ARM | Variable | 7.250% | 0 | 7.555% |
| HLPR 3/1 ARM*** | Variable | 6.125% | 0 | 7.055% |
| Land Loan 1/1 ARM | Variable | 11.000% | 0 | 11.038% |
| Loan Type | Interest Rate | Points | APR |
|---|---|---|---|
| 30-Year Fixed | 7.875% | 0 | 8.156% |
| 30-Year Fixed Jumbo | 7.875% | 0 | 8.006% |
| 1/1 ARM Land Loan | 10.875% | 0 | 11.015% |
| 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 | 6.39% | 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 | 6.59% | 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 | 6.89% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 108-120 Months | 7.09% | 71-80% |
| Home Equity Loan Second-Lien (Real Smart) | 121-180 Months | 7.39% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 121-180 Months | 7.59% | 71-80% |
| HELOC (Interest Only) | 10-Year Draw Period/15-Year Payback Period | 7.00% | Up to 80% |
| HELOC (Interest Only) | 10-Year Draw Period/15-Year Payback Period | 7.25% | 81-90% |
| Home Equity Loan First-Lien (Home Advantage) | 36-180 Months | 7.75% | Up to 80% |
| Loan Type | Term | APR As Low As | Description |
|---|---|---|---|
| Signature Loan (Personal)1 | Up to 84-Months | 11.69% | $75,000 Maximum |
| Certificate Secured Loan (Lighthouse CU)2 | 120-Months | Certificate rate plus 3.000% | Borrow up to 95% of certificate balance |
| Credit Builder Loan1 | Up to 24-Months | 7.69% | 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 |
|---|---|
| 14.00% | Variable rate |
| Prime + 7.00% |