Lighthouse Credit Union
Start your journey, build, or rebuild your credit with a low rate, no annual fee,1 and a secured option.
Annual Percentage Rate (APR) shown is the lowest rate offered, including discounts (discounts not available for Home Equity Line of Credit) and based on credit score. Rates are subject to change without notice.
Other terms and rates may be available.
Rates include loan discount. Loan discounts do not apply to credit cards, Interest only HELOCs, Electric Energy Efficiency, share and certificate secured, RV, boat, CULA Leases, commercial, and Impact loans. 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 consumer 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. The rate is subject to change without notice. Rates and amounts financed may be determined by your personal credit history, account relationship and payment method. Final rates are determined by credit score.
1Home Equity Loan: The maximum loan amount is $400,000 for loan to value ratios 80% or less. The maximum loan amount is $275,000 for loan to value ratios greater than 80%. The loan must be in second lien position. Closing costs waived for the first loan (exceptions may apply). Otherwise closing costs could be up to $1,000. Property insurance is required. Flood insurance is required if the property is located in a flood zone.
2Home Equity Line of Credit- Interest Only: The index for the Interest Only Line of Credit is the Wall Street Journal Prime Rate. We will use the most recent index value available to us as of the last day of the calendar quarter before the date of any annual percentage rate adjustment plus or minus a margin. The maximum credit line is $400,000 for loan to value ratios 80% or less. The maximum credit line is $275,000 for loan to value ratios greater than 80%. The maximum APR that may be imposed is 18% in a variable-rate plan. 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.
31st-Lien Home Equity Loan: Lighthouse Federal Credit Union must be in first lien position. Property insurance required. Property can not be located in a flood zone. No closing costs at consummation however member will be responsible for up to $1,000 in 3rd party closing costs, if the loan is paid off and closed in the first three years. Minimum loan amount is $20,000 and maximum loan amount is $417,000. Loan to value equal to 80% or less.
All loans are subject to credit approval.
For a 1-4 family owner-occupied residence, condo, or mobile home on its own land.
All rates, terms, and conditions are subject to change daily and without notice. They can only be guaranteed by our Mortgage Department. For more information, please call a Mortgage Specialist at 888-436-1847.
1Home Equity Loan
A $30,000 home equity loan at 6.69% APR with term of 120 months. 120 monthly payments of $343.53.
2Home Equity Line of Credit – Interest Only
A $50,000 home equity line of credit at 7.00% APR, payments will be $449.58 during the repayment period, and approximately $297.26 during the draw period.
31st-Lien Home Equity Loan
A $75,000 1st-Lien Home Equity loan at 5.95% APR with a term of 180 months payments would be approximately $630.91.
Building credit history takes time. The Lighthouse Anchor Card is a great way to start. Your credit limit will equal the amount set aside in a separate account.
Low rates and no annual fee mean the Lighthouse Anchor Card works for you. Isn’t that the way it should be?
Effective 02/03/2026
| Card Type | APR As Low As¹ | Description |
|---|---|---|
| Lighthouse Anchor Card | 12.74% | Variable rate |
| Lighthouse Navigator Card | 15.74% | Variable rate |
*Mobile check deposit is only 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.
Being a credit union member supports community impact by helping fund local programs through reinvested earnings.
We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.
Our employees are given paid time off to volunteer for community programs of their choice.
We partner with organizations that help to enrich and nourish the lives of our neighbors.
We fund programs that help fight food insecurity across our communities.
As you make your payments on-time each month, we’ll report that to the credit bureaus. Your credit score and history can improve with each on-time payment and continued responsible use of your available credit.
Opening a secured card is a great way to build credit. With this option, your credit limit will be equal to funds that you set aside in a savings account (at least $550). Making on-time payments and showing responsible use of your available credit helps your credit score and history.
There’s no annual fee1 on the Lighthouse Anchor Card, secured or unsecured. Additionally, there are no balance transfer or cash advance fees,1 although they do accrue interest different than purchases do. Please see our Schedule of Fees and Credit Card Terms & Conditions for full details.
Visa Zero Liability policy means you’re never on the hook for unauthorized or fraudulent charges to your Lighthouse Anchor Card. Read more about Visa’s Zero Liability policy and how it keeps you protected.
