Lighthouse Credit Union

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Home Improvement Loans

Home Improvement Loans

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Upgrade your favorite place

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No Equity Loan

  • No equity needed
  • Low fixed rate
  • Terms up to 84 months
  • Easy online application

Energy Efficiency Loan

  • Upgrade your efficiency
  • Competitive rates
  • Terms up to 84 months
  • Apply easily online

Home Heating Loan

  • Buy your fuel early
  • Great rates
  • Terms up to 12 months
  • Start online today

Home Improvement Loan Rates

Effective 02/03/2026

Loan TypeTermAPR As Low AsMonthly Payment Per $1000Description
Home Heating LoanUp to 12-Months5.69%$85.92$1,000 Minimum/$5,000 Maximum
Energy Efficiency LoanUp to 84-Months2.00%$12.77Must get approval by Electric company. $15,000 Maximum
Energy Efficiency Loan - Eversource CustomersUp to 84-Months0.00%$14.97Must get approval by Electric company. $15,000 Maximum
No Equity LoanUp to 60-Months10.69%$21.59$1000 Minimum/$60,000 Maximum
No Equity LoanUp to 84-Months11.69%$16.96$1000 Minimum/$60,000 Maximum

Membership means more at Lighthouse

Being a credit union member supports community impact by helping fund local programs through reinvested earnings. 

Affordable Housing

We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.

Volunteering

Our employees are given paid time off to volunteer for community programs of their choice.

Local Organizations

We partner with organizations that help to enrich and nourish the lives of our neighbors.

Food Access

We fund programs that help fight food insecurity across our communities.