Lighthouse Credit Union

Rates shown as an Annual Percentage Rate (APR) and are accurate as of the date listed above. Rates and terms may change at any time without notice. All loans are subject to credit approval. The lowest advertised APR is available to well-qualified applicants; not all applicants will qualify. Other terms and rates may be available. Actual rates and amounts financed are determined by applicant’s credit history and score, loan term and loan discount eligibility, as applicable. APR is fixed and will not increase after consummation. Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account.

1. Advertised APR includes a 0.30% loan discount (example 10.99% – 0.30% = 10.69%). 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.

Signature Loan (Personal): Maximum loan amount is the aggregate of all outstanding unsecured loans with Lighthouse Credit Union, including credit card limits. Maximum aggregate unsecured loan amount for homeowners is $75,000.00, maximum aggregate unsecured loan amount for non-homeowners is $50,000.00. Actual amounts financed are determined by applicant’s credit history and score. Monthly payment example per $1,000 borrowed, including optional debt protection: 60 months at 10.69% APR = $23.49/month.

Credit Builder Loan: Minimum loan term of 12 months. Minimum loan amount of $500 and maximum loan amount of $2,000. All funds from the loan will be placed into a share saving account and remain on hold until the loan is paid in full. Monthly payment example per $1,000 borrowed, including optional debt protection: 24 months at 7.69% APR = $46.80/month.

2. Certificate Secured Loans require an open share certificate with Lighthouse Credit Union to serve as collateral. Loan amount may not exceed 95% of share certificate balance. Share certificate must be held in the primary borrower’s account and must be set up to auto renew upon maturity. Minimum term of 12 months. Loan discounts do not apply. Certificates in IRA or trust accounts are not eligible. Monthly payment example per $1,000 borrowed, including optional debt protection: 60 months at 5.52% APR = $20.88/month.