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Effective April 1, 2014

At Lighthouse Community Credit Union “You Create Your Own Rate”
Loans Fixed Rates as low as Variable Rates as low as APR* Terms in Months
Unsecured 8.95% n/a 8.950 36
Personal Line of Credit n/a Index + 4.00% 6.000 n/a
Secured** 2.70% n/a n/a 48
Share Secured n/a 2% + share rate 2.000 120
Home Equity 3% + index Variable Line of Credit 3% + index 3.000 180
Home Improvement 8.50% n/a 8.500 120

 

*APR = Annual Percentage Rate

Your rate may vary from the above rates and will be determined by your credit history. Index is weekly auction rate of the 26 week US Treasury Bill rate plus applicable margin rounded to the nearest .25% Secured loans qualify for the following reduction (not applicable for home related loans): Direct Deposit of net check – .50% discount and .25% discount if you have electronic statements

**(rate displayed is for 48 mo with .50% direct deposit of net check discount and .25% for e statements, up to 72 month available at higher rate)

Secured Loans for Cars, Boats and RVs

New, used, domestic, foreign, late model, or classic . . . . go with Lighthouse Community Credit Union for ALL your auto loan needs.

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Effective March 15, 2017

Rates subject to change without notice.
Savings Minimum Balance Minimum Balance To Earn APY Dividend Rate APY* Term in Months
Regular Share Account ($25 minimum – Par)  $     25.00  $      25.00  0.10  0.10  n/a
Share Draft Account  $   500.00  $    500.00  0.00  0.00  n/a
Money Tree Account $1 – $999  $ 1,000.00  $      50.00  0.05  0.05  n/a
Money Tree Account $1,000 – $2,499  $ 1,000.00  $ 1,000.00  0.05  0.05  n/a
Money Tree Account $2,500 – $9,999  $ 1,000.00  $ 2,500.00  0.05  0.05  n/a
Money Tree Account $10,000 – $24,999  $ 1,000.00  $10,000.00  0.10  0.10  n/a
Money Tree Account $25,000 – $49,999  $ 1,000.00  $25,000.00  0.10  0.10  n/a
Money Tree Account $50,000 and above  $ 1,000.00  $50,000.00  0.20  0.20  n/a
Youth Savings Account  $       5.00  $        5.00  0.25  0.25  n/a
IRA Accounts Savings  $   100.00  $     100.00  0.25  0.25  n/a
Holiday & Vacation Club Account      None $          1.00  0.25  0.25  n/a

*APY = Annual Percentage Yield

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Effective March 15, 2017

Rates subject to change without notice.
Certificates Minimum Balance Minimum Balance To Earn APY Interest Rate APY* Term in Months
Share Certificates  $1,000.00  $1,000.00  0.10  0.10  3
Share Certificates  $1,000.00  $1,000.00  0.15  0.15  6
Share Certificates  $1,000.00  $1,000.00  0.20  0.20  9
Share Certificates  $1,000.00  $1,000.00  0.25  0.25  12
Share Certificates  $1,000.00  $1,000.00  0.35  0.35  18
Share Certificates  $1,000.00  $1,000.00  0.45  0.45  24
Share Certificates  $1,000.00  $1,000.00  0.65  0.65  36
Share Certificates  $1,000.00  $1,000.00  0.75  0.75  48
Share Certificates  $1,000.00  $1,000.00  1.00  1.00  60
IRA Share Certificates  $1,000.00  $1,000.00  0.10  0.10  3
IRA Share Certificates  $1,000.00  $1,000.00  0.25  0.25  12
IRA Share Certificates  $1,000.00  $1,000.00  0.35  0.35  18
IRA Share Certificates  $1,000.00  $1,000.00  0.45  0.45  24
IRA Share Certificates  $1,000.00  $1,000.00  1.00  1.00  60
Youth Certificate 9 month  $   500.00  $   500.00  0.20  0.20  9
Youth Certificate 12 month  $   500.00  $   500.00  0.25  0.25  12

*APY = Annual Percentage Yield

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Except as specifically described, the following disclosures apply to all of the accounts:
Rate Information – The Dividend Rate and Annual Percentage on your Share Savings and Checking Accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For divided bearing accounts, the Dividend Rate may change monthly as determined by the Board of Directors. For Share Certificates and IRA Certificates, the Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account.
Nature of Dividends – Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield disclosed are the anticipated Rate and Yield the Credit Union will pay for the applicable dividend period.
Compounding & Crediting – Dividends will be compounded and credited as set forth above. The Dividend Period for Money Tree accounts begins on the first calendar day of the month and ends on the last calendar day. For all other dividend bearing accounts, except Holiday & Vacation Club accounts, dividend period begins on the first calendar day of the quarter and ends on the last calendar day of the quarter.
Accrual of Dividends – Dividends will begin to accrue on cash deposits, and noncash deposits (checks and electronic) on the business day you make the deposit to your account.
Balance Information – The minimum opening balance required for each account is set forth above.  The minimum monthly balance required to earn dividends is set forth above. For divided bearing accounts, dividends are calculated by the average daily balance method where the credit union adds the full amount of principal in the account each day of the period, and divides that figure by the number of days in the period, and applies the periodic rate to the result.
Transaction Limitations – For Money Tree accounts, no more than six (6) preauthorized, automatic, phone, or computer transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party.  If you exceed these limitations, your account may be subject to a fee or be closed.  For Holiday Club accounts withdrawals are subject to a $1 fee.
Share Certificates – Your account will mature within the term set on the Rate Schedule provided at account opening or maturity date on your Certificate Receipt or Maturity Notice. Share Certificates are subject to a withdrawal penalty of up to 90 days worth of interest if withdrawn before the maturity date.  A penalty will not be imposed when a Share Certificate is paid prior to maturity when a)an owner dies or is determined to be legally incompetent, b) where the Share Certificate is an Individual Retirement Account (IRA), c) where the Share Certificate is an IRA and the owner attains age 59 1/2 or becomes disabled, and d) where a time deposit is withdrawn within a seven (7) day grace period after the maturity date. 
Renewal Policy – Accounts are automatically renewable accounts. Upon maturity, accounts automatically renew for the same term unless otherwise noted.