"Lighthouse Bank consistently goes out of its way to make us happy. We also love the convenience of their courier service."

Dean Schwartz & Larry Johnson

Owners, Lloyds Tire Service

Money Market & Savings

Competitive and Secure

Lighthouse Bank offers you Money Market, Savings, and CD accounts which pay extremely competitive rates.  Feel secure knowing that your deposits with us are FDIC insured.

For a listing of our current interest rates, click here.

To learn more about FDIC insurance, click here.

Business Money Market

Minimum Opening Deposit: $2,500

Maintenance Fee: $15

How to Avoid the Maintenance Fee: Maintain an average daily balance of at least $5,000 during the statement cycle. 

Activity Fees: $15 for each debit transaction (including ATM transactions) in excess of six (6) per statement cycle.

Interest: The interest rate and APY are tiered, depending on the collected balance at the end of each business day, and may change at our discretion, as often as daily, without prior notice. The rate paid each day depends on the tier into which the end-of-day collected balance falls. No interest is paid on any day the collected balance falls below $0.01.

Business Savings

Minimum Opening Deposit: $500

Maintenance Fee: $5

How to Avoid the Maintenance Fee: Maintain an average daily balance of at least $500 during the statement cycle. 

Activity Fees: $5 for each debit transaction (including ATM transactions) in excess of six (6) per statement cycle.

Interest: The interest rate and APY apply to all balances and may change at our discretion, as often as daily, without prior notice. No interest is paid on any day the collected balance falls below $0.01.

Business Overdraft Savings

Minimum Opening Deposit: $500

Maintenance Fee: $5

How to Avoid the Maintenance Fee: Maintain an average daily balance of at least $500 during the statement cycle.

Activity Fees: $10 for each overdraft transfer during the statement cycle.

Interest: The interest rate and APY apply to all balances and may change at our discretion, as often as daily, without prior notice. No interest is paid on any day the collected balance falls below $0.01.

Certificate of Deposit

Terms: Terms of 30 days to 5 years are available.

Minimum Opening Deposit: $10,000

Account Limitation: Additional deposits (including ACH & Wires)may not be made into a Certificate of Deposit.

Withdrawals: All withdrawals are subject to an Early Withdrawal Penalty.

Interest: Interest is compounded daily and paid monthly.

                       

                             

 

 

Our Mission Statement:

Lighthouse Bank is committed to providing superior personalized banking products and services in Santa Cruz County. We are dedicated to creating financial benefit for our clients, professional growth for our employees and financial prosperity for our owners and community.

 

 

 

   

 

 

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