Grow Your Savings with a Great Rate that Stays Fixed for the Term You Choose
Grow Your Savings with a Great Rate that Stays Fixed for the Term You Choose
Share Certificates offer great rates, flexible terms, and guaranteed growth. Start with as little as $500 and pick a term that fits your goals.
| Term | Dividend Rate | APY1 |
|---|---|---|
| 6-Months | 4.41% | 4.50% |
| 12-Months | 3.93% | 4.00% |
| 18-Months | 3.40% | 3.45% |
| 24-Months | 2.91% | 2.95% |
| 36-Months | 2.37% | 2.40% |
| 48-Months | 2.47% | 2.50% |
| 60-Months | 2.52% | 2.55% |
¹APY = Annual Percentage Yield. Must be a member of Lighthouse Federal Credit Union with at least $5 in a Lighthouse Savings account. The minimum balance to open a share certificate and earn the advertised APY is $500. Advertised APY is effective as of 06/10/2025, and may change at any time, as determined by the Board of Directors. The dividend rate at the time of account opening will remain in effect for the entire term of the share certificate. The advertised APY assumes dividends will remain in the share certificate account until maturity. Fees may reduce earnings. Penalty for early withdrawal. IRA certificate accounts are subject to legal requirements and limitations; consult with your tax advisor for specific details.
A Share Certificate, which is similar to a Certificate of Deposit (CD) offered at a bank, is a savings account that offers a higher APY (Annual Percentage Yield) than most standard accounts. Once you choose your term (between 6 and 60 months) your rate remains fixed for the duration of the term.
You can choose a term from 6 to 60 months. If you’re confident that you won’t need access to these funds anytime soon, you may opt for a longer term, which will generally offer a higher rate. However, if you think you may need access sooner, a shorter term may be best.
It’s important to keep in mind that early withdrawals from your certificate’s principle balance will incur a penalty. However, you can withdraw posted dividends during the term. Please see our Consumer Truth in Savings disclosure for full details.
Yes, but early withdrawals will incur a penalty. Please see our Consumer Truth in Savings disclosure for full details. We recommend considering whether or not you may need access to the funds in the short term before choosing a term.
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