What are the current interest rates at Lighthouse Credit Union?

Current rates for Lighthouse Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.65%, 24-Month CD: 3.75%, 60-Month CD: 2.55%, Savings: 3.85%

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Lighthouse Credit Union

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Lighthouse Credit Union Rates & Review October 2026

Q: How many branches does Lighthouse Credit Union operate?

Lighthouse Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Lighthouse Credit Union?

Yes, to access services at Lighthouse Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lighthouse Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Lighthouse Credit Union's top rates as of October 10, 2026 are 4.00% APY on its 12 Month CD, 3.85% APY on savings, 0.01% APY on checking, 6.00% on its HLPR 3/1 ARM mortgage, personal loans from 11.69% APR, and credit cards from 14.00% APR, according to rates verified by MonitorBankRates. Other Lighthouse Credit Union CD rates include 24 Month Variable Rate CDs at 3.95%, 6 Month CD at 3.85%, and 24 Month CD at 3.75%. Other Lighthouse Credit Union mortgage rates include Jumbo 15-Year Fixed Mortgage at 7.25%, Home 100 7/1 ARM at 7.00%, and Home 97 7/1 ARM at 7.00%. MonitorBankRates evaluates the financial stability of Lighthouse Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.05%. Rates last updated and verified on 10/10/2026.

Lighthouse Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lighthouse Credit Union? Share your experience about Lighthouse Credit Union by leaving a review below, or read customer reviews before you decide to use Lighthouse Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.05%

Excellent Lower than avg

Health Trend

Very strong 8 quarters

Full history ›

Lighthouse Credit Union
Lighthouse Headquarters

100 Lighthouse Dr
Dover, NH 03820

https://lighthousecu.org/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Lighthouse Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate	3.93%	4.00%	12-Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
24 Month Variable Rate Certificates	3.88%	3.95%	24-Months
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.69% → 3.95% ▲ 0.26 pts · high 3.95% / low 3.69% Oct 10, 20263.95%▲ from 3.69% Sep 14, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
6 Month Share Certificate	3.78%	3.85%	6-Months
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 1, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
24 Month Share Certificate	3.69%	3.75%	24-Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
18 Month Share Certificate	3.59%	3.65%	18-Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
36 Month Share Certificate	2.96%	3.00%	36-Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
60 Month Share Certificate	2.52%	2.55%	60-Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
48 Month Share Certificate	2.47%	2.50%	48-Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union Savings Rates

Product	Rate	APY
Lighthouse Premium Savings	3.78%	3.85%
Details Promotional rate and APY on new accounts opened and funded with qualifying new money deposits. APY is accurate as of the last dividend declaration date. Lighthouse Premium Savings is a tiered-rate account; however, the promotional dividend rate and APY currently apply to all balance tiers. Dividend rates and APYs are variable and may change at any time after account opening, including by balance tier. Dividend rates and APYs may vary based on account balance. Existing Lighthouse Premium Savings account holders must open a new Lighthouse Premium Savings account with qualifying new money to participate. "New money" means funds originating from a source outside Lighthouse Credit Union ("Lighthouse") that were received by Lighthouse within the 30 days immediately preceding their deposit into the Premium Savings Account. Funds may qualify as new money regardless of the Lighthouse deposit account in which they were initially deposited, provided the funds were received by Lighthouse from an external source within that 30-day period. Deposits or transfers from another Lighthouse account, deposit product, loan, or credit card do not qualify as new money unless the funds were originally deposited to Lighthouse from an external source within that 30-day period. Dividends, fee rebates, fee refunds, and fee waivers credited by Lighthouse do not qualify as new money. Additional new money deposits may be made to the Lighthouse Premium Savings account through March 31, 2027. Beginning April 1, 2027, deposits may continue to be made to the Lighthouse Premium Savings account without restriction as to the source of funds, including both new money and funds already held at Lighthouse. There is no minimum opening deposit or minimum balance required to earn the stated APY, and there is no maximum balance limit. Fees may reduce earnings. This offer may be withdrawn or modified at any time. Membership eligibility is required. Must be or become a member of Lighthouse by maintaining at least $5 in a Lighthouse Savings account. See account disclosures and Schedule of Fees for additional terms and conditions. Deposited funds are subject to our standard funds availability policy. See your Ability to Withdraw Funds disclosure for details. 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. Donation made by Lighthouse Federal Credit Union to the Lighthouse Foundation based on the average balance held in the Lighthouse Premium Savings account. Donation is not made on behalf of the member and will not result in any tax implications for the member. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Lighthouse Premium Savings	1.00%	1.00%
Min Balance $0 Details Balance: $0.00-$500.00 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Lighthouse Savings	0.01%	0.01%
Details All balances Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.01%	0.01%
Details Balance: All Balances Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.01%	0.01%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
HLPR 3/1 ARM	6.00%	0	7.003%	3/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Jumbo 15-Year Fixed Mortgage	7.25%	0	7.384%	15-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home 100 7/1 ARM	7.00%	0	7.454%	7/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home 97 7/1 ARM	7.00%	0	7.454%	7/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Mortgages - 7/1 ARM (Conforming)	7.00%	0	7.454%	7/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Pathways Service 7/1 ARM	7.00%	0	7.454%	7/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
40-Year 7/1 ARM	7.00%	0	7.455%	40-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.46% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home 100 10/1 ARM	7.125%	0	7.467%	10/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.47% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home 97 10/1 ARM	7.125%	0	7.467%	10/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.47% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Mortgages - 10/1 ARM (Conforming)	7.125%	0	7.467%	10/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.47% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Pathways Service 10/1 ARM	7.125%	0	7.467%	10/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.47% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home 97 5/1 ARM	6.875%	0	7.549%	5/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Mortgages - 5/1 ARM (Conforming)	6.875%	0	7.549%	5/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
15-Year Fixed Mortgage (Conventional)	7.25%	0	7.611%	15-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.61% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Mortgages - 3/1 ARM (Conforming)	6.75%	0	7.613%	3/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.61% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
20-Year Fixed Mortgage (Conventional)	7.625%	0	7.924%	20-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.92% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Jumbo 30-Year Fixed Mortgage	7.875%	0	7.967%	30-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
30-Year Fixed Jumbo	7.875%	0	8.006%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.01% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Jumbo Construction Loan 30-Year Fixed Mortgage	7.875%	0	8.006%	30-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.01% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
30-Year Fixed Mortgage (Conventional)	7.875%	0	8.114%	30-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home 100 30-Year Fixed Mortgage	7.875%	0	8.114%	30-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home 97 30-Year Fixed Mortgage	7.875%	0	8.114%	30-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Pathways Service 30-Year Fixed Mortgage	7.875%	0	8.114%	30-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
30-Year Fixed	7.875%	0	8.156%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.16% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Construction Loan 30-Year Fixed Mortgage	7.875%	0	8.156%	30-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.16% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
40-Year Fixed Mortgage	8.00%	0	8.213%	40-Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
1/1 ARM Land Loan	10.875%	0	11.015%	1 year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.02% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Land Loan 1/1 ARM	10.875%	0	11.015%	1/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.02% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan Second-Lien (Real Smart)	-	-	6.39%	Up to 84-Months
Details Loan To Value Ratio: Up to 70% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.89% → 6.39% ▲ 0.50 pts · high 6.39% / low 5.89% Oct 1, 20266.39%▲ from 5.89% Sep 14, 20265.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan Second-Lien (Real Smart)	-	-	6.59%	85-107 Months
Details Loan To Value Ratio: Up to 70% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.09% → 6.59% ▲ 0.50 pts · high 6.59% / low 6.09% Oct 1, 20266.59%▲ from 6.09% Sep 14, 20266.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan Second-Lien (Real Smart)	-	-	6.69%	Up to 84-Months
Details Loan To Value Ratio: 71-80% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.19% → 6.69% ▲ 0.50 pts · high 6.69% / low 6.19% Oct 1, 20266.69%▲ from 6.19% Sep 14, 20266.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan Second-Lien (Real Smart)	-	-	6.89%	108-120 Months
Details Loan To Value Ratio: Up to 70% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.39% → 6.89% ▲ 0.50 pts · high 6.89% / low 6.39% Oct 1, 20266.89%▲ from 6.39% Sep 14, 20266.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan Second-Lien (Real Smart)	-	-	6.99%	85-107 Months
Details Loan To Value Ratio: 71-80% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.49% Oct 1, 20266.99%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
HELOC (Interest Only)	-	-	7.00%	10 years
Details Term: 10-Year Draw Period/15-Year Payback Period; Loan To Value Ratio: Up to 80% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 22, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan Second-Lien (Real Smart)	-	-	7.09%	108-120 Months
Details Loan To Value Ratio: 71-80% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.59% → 7.09% ▲ 0.50 pts · high 7.09% / low 6.59% Oct 1, 20267.09%▲ from 6.59% Sep 14, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
HELOC (Interest Only)	-	-	7.25%	10 years
Details Term: 10-Year Draw Period/15-Year Payback Period; Loan To Value Ratio: 81-90% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 22, 20267.25%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan Second-Lien (Real Smart)	-	-	7.39%	121-180 Months
Details Loan To Value Ratio: Up to 70% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.89% → 7.39% ▲ 0.50 pts · high 7.39% / low 6.89% Oct 1, 20267.39%▲ from 6.89% Sep 14, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan Second-Lien (Real Smart)	-	-	7.49%	Up to 60-Months
Details Loan To Value Ratio: 81-90% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 1, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan Second-Lien (Real Smart)	-	-	7.59%	121-180 Months
Details Loan To Value Ratio: 71-80% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.09% → 7.59% ▲ 0.50 pts · high 7.59% / low 7.09% Oct 1, 20267.59%▲ from 7.09% Sep 14, 20267.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan First-Lien (Home Advantage)	-	-	7.75%	36-180 Months
Details Loan To Value Ratio: Up to 80% Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.70% → 7.75% ▲ 1.05 pts · high 7.75% / low 6.70% Oct 10, 20267.75%▲ from 7.08% Sep 18, 20267.08%▲ from 6.70% Sep 14, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Equity Loan Second-Lien (Real Smart)	-	-	7.99%	61-120 Months
Details Loan To Value Ratio: 81-90% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 1, 20267.99%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.74%	Up to 63 Months
Details Model Year: 2026-2024 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 1, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Auto Loans	-	-	5.99%	Up to 63 Months
Details Model Year: 2023-2019 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 1, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Auto Loans	-	-	6.04%	64-75 Months
Details Model Year: 2026-2024 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.04% ▲ 0.05 pts · high 6.04% / low 5.99% Oct 1, 20266.04%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Auto Loans	-	-	6.49%	64-75 Months
Details Model Year: 2023-2019 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 1, 20266.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Auto Loans	-	-	6.74%	76-84 Months
Details Model Year: 2026-2024 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.54% → 6.74% ▲ 0.20 pts · high 6.74% / low 6.54% Oct 1, 20266.74%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Auto Loans	-	-	7.04%	76-84 Months
Details Model Year: 2023-2019 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.54% → 7.04% ▲ 0.50 pts · high 7.04% / low 6.54% Oct 1, 20267.04%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Auto Loans	-	-	7.14%	Up to 63 Months
Details Model Year: 2018-2017 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 7.14% ▲ 0.50 pts · high 7.14% / low 6.64% Oct 1, 20267.14%▲ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Auto Loans	-	-	7.49%	85-96 Months
Details Model Year: 2026-2024 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 1, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Auto Loans	-	-	10.14%	Up to 48 Months
Details Model Year: 2016-2015 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 9.64% → 10.14% ▲ 0.50 pts · high 10.14% / low 9.64% Oct 1, 202610.14%▲ from 9.64% Sep 14, 20269.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle & Powersport Loans	-	6.69%	12-36 Months
Details Model Year: 2026-2021 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.19% → 6.69% ▲ 0.50 pts · high 6.69% / low 6.19% Oct 1, 20266.69%▲ from 6.19% Sep 14, 20266.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Motorcycle & Powersport Loans	-	7.09%	12-36 Months
Details Model Year: 2020-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.59% → 7.09% ▲ 0.50 pts · high 7.09% / low 6.59% Oct 1, 20267.09%▲ from 6.59% Sep 14, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Motorcycle & Powersport Loans	-	7.19%	37-48 Months
Details Model Year: 2026-2021 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.69% → 7.19% ▲ 0.50 pts · high 7.19% / low 6.69% Oct 1, 20267.19%▲ from 6.69% Sep 14, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Motorcycle & Powersport Loans	-	7.49%	37-48 Months
Details Model Year: 2020-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 1, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Motorcycle & Powersport Loans	-	7.79%	49-65 Months
Details Model Year: 2026-2021 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.29% → 7.79% ▲ 0.50 pts · high 7.79% / low 7.29% Oct 1, 20267.79%▲ from 7.29% Sep 14, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Motorcycle & Powersport Loans	-	8.09%	49-63 Months
Details Model Year: 2020-2018 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.59% → 8.09% ▲ 0.50 pts · high 8.09% / low 7.59% Oct 1, 20268.09%▲ from 7.59% Sep 14, 20267.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Boat & RV Loans	-	8.19%	Up to 60 Months
Details Model Year: 2026-2023 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.19% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Motorcycle & Powersport Loans	-	8.19%	66-72 Months
Details Model Year: 2026-2021 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.69% → 8.19% ▲ 0.50 pts · high 8.19% / low 7.69% Oct 1, 20268.19%▲ from 7.69% Sep 14, 20267.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Boat & RV Loans	-	8.24%	Up to 60 Months
Details Model Year: 2022-2016 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Boat & RV Loans	-	8.69%	61-120 Months
Details Model Year: 2026-2023 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Boat & RV Loans	-	9.19%	61-120 Months
Details Model Year: 2022-2016 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.19% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Boat & RV Loans	-	9.69%	121-180 Months
Details Model Year: 2026-2023 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Boat & RV Loans	-	9.79%	121-180 Months
Details Model Year: 2022-2016 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union Credit Card Rates

Product	Rate	APR	View More
Business Credit Card	-	14.00%
Details Variable rate Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Sep 22, 202614.00%▲ from 13.75% Sep 14, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan (Personal)	11.69%	Up to 84-Months
Details $75,000 Maximum Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Lighthouse Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	7.69%	Up to 24-Months
Details Minimum loan amount of $500; maximum loan amount of $2,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Energy Efficiency Loan	-	-	2.00%	Up to 84-Months
Details Must get approval by Electric company. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Home Heating Loan	-	-	5.69%	Up to 12-Months
Details Balance: $1,000 Minimum/$5,000 Maximum Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Lighthouse Anchor Card Loan	-	-	12.74%
Details Variable rate Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.49% → 12.74% ▲ 0.25 pts · high 12.74% / low 12.49% Sep 22, 202612.74%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Lighthouse Navigator Card Loan	-	-	15.74%
Details Variable rate Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 15.49% → 15.74% ▲ 0.25 pts · high 15.74% / low 15.49% Sep 22, 202615.74%▲ from 15.49% Sep 14, 202615.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
No Equity Loan	-	-	10.69%	Up to 60-Months
Details Balance: $1000 Minimum/$60,000 Maximum Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 10.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
No Equity Loan	-	-	11.69%	Up to 84-Months
Details Balance: $1000 Minimum/$60,000 Maximum Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 11.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Lighthouse Credit Union’s Texas Ratio stayed near 2.86% in Q3 2024 to 3.05% in Q2 2026, so its financial health has stayed very strong over the past 8 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.2B	3.05%	5.0	A+
March 31, 2026	$2.1B	2.64%	5.0	A+
December 31, 2025	$2.0B	3.32%	5.0	A+
September 30, 2025	$2.0B	3.35%	5.0	A+
June 30, 2025	$2.0B	2.88%	5.0	A+
March 31, 2025	$1.9B	2.30%	5.0	A+
December 31, 2024	$1.9B	3.49%	5.0	A+
September 30, 2024	$1.9B	2.86%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lighthouse Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Lighthouse Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Lighthouse Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lighthouse Credit Union

Website https://lighthousecu.org/

Address 100 Lighthouse Dr, Dover, NH 03820

Phone 888-436-1847

Fax

President Raymond Bald

CEO Christopher Parker

Full-Time Employees 389

Part-Time Employees 6

Branch Locations 18

ATM Locations 16

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.05%

Return on Assets (ROA)

0.3906%

Return on Equity (ROE)

3.8483%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

2,220,684,877

Total Amount of Shares and Deposits

1,860,993,141

Total Shares and Deposits < 1 Year

1,745,526,241

Total Shares and Deposits 1 3 Years

108,013,839

Total Shares and Deposits > 3 Years

7,453,061

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,766,687

Total Uninsured Shares and Deposits > $250K (F+J)

8,766,687

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,852,226,454

Total Interest Expense (Sum of items 6 8)

13,460,619

Share Certificates

12,941

Number of Accounts for Share Drafts

83,643

IRA KEOGH Accounts

1,879

Number of Accounts for Regular Shares

187,055

All other shares

161

Non Member Deposits

Money Market Shares

6,538

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

49,516,563

Total Liabilities

1,998,216,871

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Lighthouse Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Lighthouse Credit Union

How many branches does Lighthouse Credit Union operate?

Lighthouse Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Lighthouse Credit Union?

Yes, to access services at Lighthouse Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Lighthouse Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lighthouse Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lighthouse Credit Union offer online and mobile banking?

Most modern institutions like Lighthouse Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://lighthousecu.org/.

Current Lighthouse Credit Union Rates

12-Month CD4.00%
18-Month CD3.65%
24-Month CD3.75%
60-Month CD2.55%
Savings3.85%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Lighthouse Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Lighthouse Credit Union Texas Ratio

Lighthouse Credit Union Health Trend

Lighthouse Credit Union CD Rates

Lighthouse Credit Union Savings Rates

Lighthouse Credit Union Business Savings Rates

Lighthouse Credit Union Business Checking Rates

Lighthouse Credit Union Mortgage Rates

Lighthouse Credit Union Home Equity & HELOC

Lighthouse Credit Union Auto Loan Rates

Lighthouse Credit Union RV, Boat and Powersport Loan Rates

Lighthouse Credit Union Credit Card Rates

Lighthouse Credit Union Personal Loan Rates

Lighthouse Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Lighthouse Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Lighthouse Credit Union

How many branches does Lighthouse Credit Union operate?

Is a member application needed to join Lighthouse Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Lighthouse Credit Union offer online and mobile banking?

Current Lighthouse Credit Union Rates

Compare to Other Credit Unions