Grow your savings with a great rate for a 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.
Earn higher rates than most savings accounts
Choose your term - from 6 to 60 months
Get started with as little as $500
Watch your funds grow each month
| Term | APY1 | Dividend Rate |
|---|---|---|
| 6-Months | 4.00% | 3.93% |
| 12-Months | 3.75% | 3.69% |
| 18-Months | 3.45% | 3.40% |
| 24-Months | 3.75% | 3.69% |
| 36-Months | 2.40% | 2.37% |
| 48-Months | 2.50% | 2.47% |
| 60-Months | 2.55% | 2.52% |
¹APY = Annual Percentage Yield. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. The minimum balance to open a fixed rate share certificate and earn the advertised APY is $500. Advertised APY is effective as of 07/28/2025, 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 fixed rate share certificate. The advertised APY assumes dividends will remain in the share certificate account until maturity. Fees may reduce earnings. Penalty may be imposed for early withdrawal. IRA certificate accounts cannot be opened online and are subject to legal requirements and limitations; consult with your tax advisor for specific details.
| Term | APY* | Dividend Rate |
|---|---|---|
| 24-Months | 4.16% | 4.08% |
*APY = Annual Percentage Yield. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. The minimum balance to open a variable rate share certificate and earn the advertised APY is $500. This is a variable rate account; the dividend rate is subject to change monthly after the account is opened based on the Federal Funds Rate (“index”) as of the last business day of the month, minus 0.25%. Advertised APY is accurate as of 8/12/2025 and based on Federal Funds Rate in effect on 7/31/2025. The advertised APY assumes dividends will remain in the share certificate account for the entire 24-month term. Fees may reduce earnings. Penalty may be imposed for early withdrawal. IRA certificate accounts cannot be opened online and 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 generally offers a higher APY (Annual Percentage Yield) than most standard savings accounts. For fixed-rate certificates, once you choose your term (between 6 and 60 months) your rate remains fixed for the duration of the term.
Yes! Share Certificates are popular partially thanks to their low risk. Share Certificate funds are NCUA insured up to $250,000 – see mycreditunion.gov for details. For fixed-rate certificates, your rate is guaranteed for the term you choose.
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 principal balance will incur a penalty. However, you can withdraw posted dividends during the term. Please see our Truth In Savings disclosure or ask us for full details.
Yes, but early withdrawals will incur a penalty. Please see our Truth in Savings disclosure or ask us for full details. We recommend considering whether or not you may need access to the funds in the short term before choosing a term.
This type of share certificate has a variable rate, also known as a floating rate, that can adjust each month based on changes to the Federal Funds Rate. If the Federal Funds Rate increases or decreases, your dividend rate and annual percentage yield will adjust the first calendar day of the month following the change.
This share certificate’s dividend rate is based on the Federal Funds Rate minus 0.25%. The Federal Funds Rate is controlled by the Federal Open Market Committee (FOMC), which is the policymaking body of the Federal Reserve System. As the Federal Funds Rate increases or decreases, your dividend rate will adjust accordingly.
Being a credit union member supports community inpact by helping fund local programs through reinvested earnings.
We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.
Our employees are given paid time off to volunteer for community programs of their choice.
We partner with organizations that help to enrich and nourish the lives of our neighbors.
We fund programs that help fight food insecurity across our communities.
