Lighthouse Credit Union

Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above.

Personal Signature Loan

1. Rates include loan discount. Rate is fixed and will not change during the repayment period. 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. 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.
   The terms of repayment, which reflects the repayment obligations over the full term of the loan. A payment example is 60 monthly payments of $22.10 per $1,000.00 borrowed.
   Minimum term during repayment period is 12 months and maximum is 60 months.
   The personal signature loan APR* (Annual Percentage Rate) is based on credit score and risk-based pricing. The maximum APR is 18%. Please refer to our Personal Loan Rates for current rates.

Offer valid for new Lighthouse Anchor Visa® Card or Lighthouse Navigator Visa® Card accounts only. To qualify for the $100 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 qualifications are validated. Reward 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. Accounts must remain open through the date the Reward is delivered. Offer may be changed or be withdrawn at any time without notice.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 and affiliates are not eligible. Additional terms and conditions apply. See Terms and Conditions for complete details.

1. 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 fixed rate share certificate and earn the advertised APY is $500. Advertised APY is effective as of 11/14/2025, 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.
2. To qualify for the $50 Refer-A-Friend 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. 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, a $50 Reward (“Reward”) will be delivered via email to both the Referrer and Referee within four (4) weeks. Referrers may earn up to $550 in Rewards per calendar year, based on a maximum of eleven (11) valid referrals. 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.
3. Annual Percentage Rates (APR) range from 12.74% to 15.74% based on card type; accurate as of 12/01/2025 and subject to change without notice. APR is variable and may change after account opening. Foreign transaction fee is 1.00% of the amount of each foreign transaction in U.S. dollars. Late payment fee is between $10 and $25 based on the amount owed but will not exceed the payment amount due. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. All loans subject to credit approval.
4. Mobile check deposit is available to members over 16 years old. Deposits are subject to our discretion. Standard Funds Availability policy applies. Please see the Mobile Deposit Disclosure and Agreement for details.

All loans are subject to credit and collateral approval. The lowest advertised annual percentage rates (APRs) are available to well-qualified borrowers. Actual rates and amounts financed are determined by applicant’s credit score, loan term, and age of collateral. Advertised APR for boat and RV loans only. Rates and terms may change at any time without notice. APR is fixed and will not increase after consummation. Advertised APR includes a 0.30% loan discount (example 8.19% – 0.30% = 8.49%). A 0.10% discount will be applied to an eligible loan for each of the following qualifying three (3) factors: 1) Maintaining an open consumer checking account with a positive balance at least every thirty (30) days; 2) Maintaining an automatic payment established on the loan originating from a Lighthouse Credit Union account. Automatic payment must be established by contacting Lighthouse Credit Union; transfers set up in online or digital banking do not qualify; 3) Maintaining an active consumer credit card product. Active is defined as having transaction activity within the last ninety (90) days. If all qualifying factors are met, a total discount of up to 0.30% will be applied to the member’s base rate. Must request loan discount within ninety (90) days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. Boat/RV loan payment example: a $15,000 boat/RV loan with an annual percentage rate of 8.19% for a term of 60 months will have an estimated monthly payment of $332.97, including optional debt protection.

All loans are subject to credit and collateral approval. The lowest advertised annual percentage rates (APRs) are available to well-qualified borrowers. Actual rates and amounts financed are determined by applicant’s credit score, loan term, and age of collateral. Advertised APR for motorcycle, ATV, jet ski and snowmobile loans only. Rates and terms may change at any time without notice. APR is fixed and will not increase after consummation. Advertised APR includes a 0.30% loan discount (example 6.49% – 0.30% = 6.19%). A 0.10% discount will be applied to an eligible loan for each of the following qualifying three (3) factors: 1) Maintaining an open consumer checking account with a positive balance at least every thirty (30) days; 2) Maintaining an automatic payment established on the loan originating from a Lighthouse Credit Union account. Automatic payment must be established by contacting Lighthouse Credit Union; transfers set up in online or digital banking do not qualify; 3) Maintaining an active consumer credit card product. Active is defined as having transaction activity within the last ninety (90) days. If all qualifying factors are met, a total discount of up to 0.30% will be applied to the member’s base rate. Must request loan discount within ninety (90) days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. Motorcycle/powersport loan payment example: a $15,000 motorcycle/powersport loan with an annual percentage rate of 6.19% for a term of 36 months will have an estimated monthly payment of $483.33, including optional debt protection.

Who is Cetera?
Cetera Investment Services, LLC is an experienced brokerage firm, providing services and products to the customers of nearly 500 financial institutions. Cetera Investment Services is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investors Protection Corporation (SIPC). They offer a broad range of investment and insurance products, including: Mutual Funds, Stocks and Bonds, Unit Investment Trusts, Tax-Deferred Fixed and Variable Annuities, Life and Long-Term Care Insurance.
Lighthouse Wealth Advisors is a marketing name of Cetera Investment Services. Securities and insurance offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera firms are under separate ownership from any other named entity.

Investments: • Are not FDIC/NCUSIF insured • May lose value • Are not financial institution guaranteed • Are not a deposit • Are not insured by any federal government agency

Important Information and Form CRS

This site is published for residents of the United States only. Financial Professionals of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.
Cetera is not affiliated with the financial institution where investment services are offered. Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.
400 First Street South, Suite 300, St. Cloud, MN 56301 – (320) 656-4300

For a comprehensive review of your personal situation, always consult your tax and/or legal advisor. Neither Cetera Investment Services LLC nor any of its affiliates offer tax or legal service.

Cetera Business Continuity Plan

What is COVR?
COVR offers life insurance coverage from industry leading insurance carriers and access to the most competitive rates available. Earning a customer satisfaction rating of 4.7 stars over the past year, COVR streamlines the purchase process, providing expert, unbiased guidance from licensed insurance specialists with many applicants securing coverage in under 10 days and 70% of applicants qualifying to apply without a medical exam.

TruStage Information
TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Insurance products are not deposits, not an obligation of and not guaranteed by Lighthouse Federal Credit Union. Insurance products are not protected by the NCUA, may be subject to risk and, in the case of life insurance, may go down in value. Any insurance required as a condition of an extension of credit need not be purchased from the credit union and may be purchased from an agent or insurance company of the member’s choice. Insurance products are not exclusive to Lighthouse Federal Credit Union members. Business conducted with Lighthouse Federal Credit Union Wealth Advisors is separate and distinct from any business conducted with the credit union. Lighthouse Federal Credit Union Wealth Advisors is a subsidiary of Lighthouse Federal Credit Union.

^*There is a fee associated with adding the Benefits Plus® savings program to your checking account. Please refer to our Schedule of Fees for details. Members must have a Lighthouse Credit Union checking account to take advantage of this service. Some discount restrictions may apply. Visit the Benefits Plus website for more information.

1. Earn 1 uChoose Rewards® point for every $1 spent on qualifying purchases made with your Navigator Visa® credit card. Qualifying purchases exclude cash advances and other specified transactions. To redeem points, you must first register your card at uChooseRewards.com. Please see the Navigator Visa Disclosure for additional terms and conditions.
2. Annual Percentage Rates (APR) range from 12.74% to 15.74% based on card type; accurate as of 10/31/2025 and subject to change without notice. APR is variable and may change after account opening. Foreign transaction fee is 1.00% of the amount of each foreign transaction in U.S. dollars. Late payment fee is between $10 and $25 based on the amount owed but will not exceed the payment amount due. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. All loans subject to credit approval.
3. 24/7 fraud monitoring is provided by Enfact® and is designed to help detect suspicious activity on your account. While this service provides continuous monitoring, it does not prevent all types of fraud or unauthorized transactions. Cardholders are responsible for taking reasonable care to protect their card and account information and must promptly report any unauthorized activity. Additional terms and conditions may apply.
4. With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized purchases made with your Visa® credit card if it’s lost, stolen, or fraudulently used—whether in person, online, or over the phone. This protection does not apply to certain commercial cards, anonymous prepaid cards, or transactions where you have been negligent or involved in fraud. Unauthorized transactions must be reported to Lighthouse Credit Union immediately upon discovery. Please see the Visa Cardholder Agreement and Visa’s Zero Liability web page for additional information.

• Visa is a registered trademark of the Visa International Service Association.
• uChoose Rewards is a registered trademark of Fiserv, Inc.

¹ All loans are subject to credit and collateral approval. The lowest advertised annual percentage rates (APRs) are available to well-qualified borrowers. Actual rates and amounts financed are determined by applicant’s credit score, loan term, and the age and mileage of the vehicle. Advertised APR for vehicle loans only. Rates and terms may change at any time without notice. APR is fixed and will not increase after consummation. Advertised APR includes a 0.30% loan discount (example 6.29% – 0.30% = 5.99%). A 0.10% discount will be applied to an eligible loan for each of the following qualifying three (3) factors: 1) Maintaining an open consumer checking account with a positive balance at least every thirty (30) days; 2) Maintaining an automatic payment established on the loan originating from a Lighthouse Credit Union account. Automatic payment must be established by contacting Lighthouse Credit Union; transfers set up in online or digital banking do not qualify; 3) Maintaining an active consumer credit card product. Active is defined as having transaction activity within the last ninety (90) days. If all qualifying factors are met, a total discount of up to 0.30% will be applied to the member’s base rate. Must request loan discount within ninety (90) days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. Auto loan payment example: a $15,000 auto loan with an annual percentage rate of 6.29% for a term of 63 months will have an estimated monthly payment of $307.05, including optional debt protection.

1. Interest begins accruing from the date of loan origination. Deferring your first payment may extend the overall term of your loan and increase the total interest paid. Not available when refinancing an existing Lighthouse Credit Union loan. Offer must be requested prior to loan closing. Offer may be modified or discontinued at any time without notice. All loans subject to credit approval.
2. Receive a 0.50% 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. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account.