Credit union · NCUA insured
Lighthouse Credit Union Savings Rates
Top CarrotLighthouse Credit Union’s best savings rate is 3.85% APY on $10,000, with its Lighthouse Premium Savings. Rates checked October 22, 2026.
How Lighthouse Credit Union’s savings 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
3.85%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $385
Lighthouse Premium Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Lighthouse Credit Union savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0003.85%
- $10,000 balance$10,0003.85%
- $100,000 balance$100,0003.85%
- QualifiedQualified3.85%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Lighthouse Premium Savings
0.10%APY on $10,000
Must qualify for and establish membership with Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. No monthly fee. Donation made by Lighthouse Federal Credit Union to the Lighthouse Foundation based on the average balance held in the Lighthouse Premium Savings account.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 1.00% |
| $500 – $15,000 | 0.05% |
| $15,000 – $100,000 | 0.45% |
| $100,000 – $200,000 | 1.00% |
| $200,000 – $500,000 | 2.23% |
| Over $500,000 | 3.20% |
On $10,000 the tiers blend to about 0.10% APY, earning $10 a year.
Sources (2)
All captured Oct 3, 2026
Lighthouse Savings
0.01%APY
Must qualify for and establish membership with Lighthouse Credit Union by opening and maintaining a Lighthouse Savings account with a minimum balance of $5. No monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY is variable, accurate as of the last dividend declaration date of 1/27/2026. $5 minimum balance to open and maintain.Any balance | 0.01% | $1 | APY is variable, accurate as of the last dividend declaration date of 1/27/2026. $5 minimum balance to open and maintain. |
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.