Share or Savings account
Each member is required to open a share savings account. As a member owner you are required to maintain a minimum account balance of $25.00* at all times – this is called par.
Holiday & Vacation Club accounts
These special Club Accounts let you save money all year long for specific events like holiday shopping or vacation. Just make regular deposits throughout the year and watch your savings – plus dividends – grow. The balance is transferred to your savings November 1st for the Holiday Club and May 1st for the Vacation Club.
Family members are eligible for an account with LHCCU. Start a Youth Account today for a family member who is under 18 years of age. As a member owner they would be required to maintain a minimum account balance of $5.00* at all times – this is called par.
Certificate of Deposit (CD)
A certificate is a high-yield means of earning the maximum return on your deposit. Rates and terms vary from 3 months to 5 year terms.
Earn the highest possible return on your investment without losing access to your funds or the security of federal insurance. This account allows you three withdrawals and three transfers per month. Dividends are paid and posted monthly. Minimum required for this account is $1,000.00 – the more you deposit the higher the return.
Share Draft or Checking
The checking account designed for you. No minimum balance. No monthly service fee**.
*Youth account minimum is $5.00 (18 years and younger)
** Other fees, such as insufficient funds, stop pay requests, and automatic overdraft protection transfer fees may apply to all checking accounts.
Second Chance Checking
We all make mistakes. Yours shouldn’t prevent you from access to a financial institution. We’ll take a look at what is reported by credit bureaus and other financial institutions but in most cases we are able to offer you a product that you can use. Our 2nd chance checking is free and offers many of the same conveniences as a regular checking account but it does have some restrictions. Once you’ve established account history with LHCCU, we’re happy to convert your 2nd chance checking to our regular checking account product.
New and Used Autos
We offer auto loans for both new and used vehicles. Unlike “special financing” from many auto manufacturers, there are no hidden charges or fees. A wide variety of low-cost rates and affordable terms are available. Apply online for your next auto loan.
We also offer loans for motorhomes, travel trailers, boats, jet skis and snowmobiles.
This unsecured loan can be used for many different options. Whatever the reason, if you need up to $7,500 we can arrange it quickly.
Home Equity Loan and Lines of Credit
Usually, a loan secured against your home will give you the lowest rate and best terms. Our home equity loan is designed to meet your needs to pay off credit cards, for home improvement or vacation. We offer both Home Equity Line of Credit and a closed end Home Equity Loans.
Whether you’re buying your first home, refinancing your existing mortgage or buying a second home, our mortgage loan experts can help. We offer home loans in all 50 states with competitive low-rates and fees. Get started with a short initial application today. Or call us for more information.
Lighthouse Community Credit Union offers a free mobile app available for iPhone and Android devices. Find us in your app store by searching Lighthouse Community Credit Union or LHCCU.
Lost or stolen card call this number immediately 1-888-241-2510
For our members that have checking accounts with us, bill pay online is a convenient way to pay your bills.
You can be sure you are safe paying bills online. We have partnered with iPay Technologies, LLC to offer our members this service. This is a secured site which is limited to authorized users only.
For Support Questions please call 1-866-820-8607
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Please contact the credit union for more information.