Lighthouse Cardholders: To help protect you from fraud, starting January 12 you’ll get real-time alerts via text from 37268 for unusual card activity.
If you receive unusual card activity alerts from any other number impersonating Lighthouse Credit Union, please do not respond and contact us immediately.

Lighthouse Credit Union

Home
/
/
/
Home Improvement Loans

Home Improvement Loans

Apply Online
Rates

Upgrade your favorite place

Secure a loan for home improvements, from heating to the patio

Find an option that suits your goal and budget

Do it on your terms, with options ranging from 12 to 84 months

Upgrade your home

No Equity Loan

  • No equity needed
  • Low fixed rate
  • Terms up to 84 months
  • Easy online application
Apply online
Make it yours

Energy Efficiency Loan

  • Upgrade your efficiency
  • Competitive rates
  • Terms up to 84 months
  • Apply easily online
Apply online
Save while doing it

Home Heating Loan

  • Buy your fuel early
  • Great rates
  • Terms up to 12 months
  • Start online today
Apply online
FROM OUR COMMUNITY

“I have been with Lighthouse for years. I can always count on a positive experience with all staff – they are knowledgeable, patient and friendly. My financial questions/needs are always met. I couldn’t be happier!”

Michelle G.

Home Improvement Loan Rates

Current interest rates

Loan TypeTermAPR As Low AsMonthly Payment Per $1000Description
Home Heating LoanUp to 12-Months5.69%$85.92$1,000 Minimum/$5,000 Maximum
Energy Efficiency LoanUp to 84-Months2.00%$12.77Must get approval by Electric company. $15,000 Maximum
Energy Efficiency Loan - Eversource CustomersUp to 84-Months0.00%$14.97Must get approval by Electric company. $15,000 Maximum
No Equity LoanUp to 60-Months10.69%$21.59$1000 Minimum/$60,000 Maximum
No Equity LoanUp to 84-Months11.69%$16.96$1000 Minimum/$60,000 Maximum
Effective date: January 15, 2026

Start making an impact today

Put your money to work, and see the benefits in your accounts and the world around you.

 
Open an account