Lighthouse Credit Union

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Personal Loans

Personal Loans

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A flexible loan that can save you more

Whether you’re paying for a trip, consolidating debt, or paying off credit, a personal loan can do it all. Apply for your personal loan online today.

Pay less

When you lock in a low fixed rate

Choose a term that suits you

Up to 60 months

You’ve got the dream. We’ve got your back.

Secure financing of up to $75,000

Loan Rates

Effective 12/07/2025

Loan TypeTermAPR As Low As1Description
Signature Loan (Personal)Up to 60-Months10.69%$75,000 Maximum
Certificate Secured Loan (Lighthouse CU)120-MonthsCertificate rate plus 3.00%Borrow up to 95% of certificate balance
Credit Builder LoanUp to 24-Months7.99%Minimum loan amount of $500; maximum loan amount of $2,000.

General Loan Disclosure

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. 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.
  2. 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.
  3. Minimum term during repayment period is 12 months and maximum is 60 months.
  4. 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.

Personal Signature Loan, Credit Builder, Certificate Secured Loan

  1. Rate is fixed and will not change during the repayment period.

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.