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Credit Union Membership

As a not-for-profit financial institution, LHCCU is owned by our members, democratically governed, operated with cooperative principles and insured by the NCUA up to $250,000. We have member-owners rather than shareholders and our profits are returned to members in higher savings dividends, lower loan interest rates and fewer fees.

The Lighthouse Difference

We are proudly serving those who live, work or worship in Washington state regardless of your credit blemishes or citizenship status.

We believe everyone should be given a second chance. If you have made mistakes in the past and are honest about working on them, we can help. We will offer products and services when other Financial Institutions may not.

We will gladly accept your Individual Taxpayer Identification Number (ITIN) in lieu of a US SSN. We understand that the citizenship process is long and your choice to Immigrate should not affect your ability to have access to low-cost loans and financial services. YOU are welcome here.

LHCCU is Low Income Designated (LID) by the National Credit Union Administration (NCUA), meaning we specifically seek to serve a population located in a low income designated geographical area.

LHCCU is also a certified Community Development Financial Institution (CDFI), meaning we seek to serve low and moderate-income individuals in our area and provide low cost, accessible financial services to all, especially those who need them the most.