Lighthouse Credit Union
Whether you're new to credit or working to rebuild it, we're here to help.
Borrow up to $2,000 to start building your credit history or to get it back on track. Loan funds will be placed on hold in a savings account while you’re making regular payments, and the full amount will be made available once the loan is paid in full.
Your interest rate and monthly payment both remain the same throughout the life of the loan.
The loan term you choose helps determine your monthly payment. Choose a term - up to 24 months1 - that works best for your budget and your goals.
We'll place the funds you pledge for the loan into a savings account where you'll earn dividends and build your balance as you pay down the loan.
Whether you’re consolidating debt or covering short-term needs, a personal loan can do it all.
Borrow against the balance in your existing Share Certificate at a low, fixed rate.
Effective 02/03/2026
| Loan Type | Term | APR As Low As | Description |
|---|---|---|---|
| Signature Loan (Personal)1 | Up to 60-Months | 10.69% | $75,000 Maximum |
| Certificate Secured Loan (Lighthouse CU)2 | 120-Months | Certificate rate plus 3.00% | 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. |
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.