Credit union · NCUA insured
Lighthouse Credit Union CD Rates
Top CarrotLighthouse Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Lighthouse Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Lighthouse Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lighthouse Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Share Certificate
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Lighthouse Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Lighthouse Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.00%APY · 7 terms
Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Dividends remain in certificate until maturity; early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 12 months | 4.00% | $400 |
| 18 months | 3.65% | $552 |
| 24 months | 3.75% | $764 |
| 36 months | 3.00% | $927 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.55% | $1,342 |
Sources (1)
- lighthousecu.org/checking-savings/share-certificates · captured Oct 3, 2026
Variable Rate Share Certificate
3.95%APY · 1 term
Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month (minimum dividend rate 2.50% / APY 2.53%, maximum dividend rate 5.50% / APY 5.64%). Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsVariable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month; minimum dividend rate 2.50% (APY 2.53%), maximum dividend rate 5.50% (APY 5.64%) | 3.95% | $806 |
Sources (1)
- lighthousecu.org/checking-savings/share-certificates · captured Oct 3, 2026
Who can join Lighthouse Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available by accepting a complimentary lifetime membership to the Lighthouse Credit Union Foundation.
- Membership is available by accepting a complimentary one-year membership to the Maine Affordable Housing Coalition.
Employers and groups
- Individuals employed by a partner business or belonging to a partner association are eligible for membership.
Family and household
- Individuals who have an immediate family member belonging to Lighthouse Credit Union are eligible for membership.
Cost to join
- Membership requires opening and maintaining at least $5 in a Lighthouse Savings account.
Membership information collected October 4, 2026.