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.

Personal Money Market

Opening Deposit: A $2,500 deposit is required to open a Personal Money Market Account.

Account Fees: There is no monthly fee if you maintain an average collected balance of at least $5,000 during the statement period; otherwise, a monthly fee of $15 will apply. For each debit transaction (including ATM transactions) in excess of six (6) per statement period, a fee of $15 will apply.

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.

Personal Savings

Opening Deposit: A $500 deposit is required to open a Personal Savings Account.

Account Fees: There is no monthly fee if you maintain an average collected balance of at least $500 during the statement period; otherwise, a monthly fee of $5 will apply. For each debit transaction (including ATM transactions) in excess of six (6) per statement period, a fee of $5 will apply.

Interest: The interest rate and APY applies to all balances 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.

Personal Overdraft Savings

Opening Deposit: A $500 deposit is required to open a Personal Overdraft Savings Account.

Account Fees: There is no monthly fee if you maintain an average collected balance of at least $500 during the statement period; otherwise, a monthly fee of $5 will apply.

The Personal Overdraft Savings account is tied your Personal Checking, Personal Interest Checking or Senior Checking account, providing overdraft protection to help prevent returned checks (or other returned debits) and overdrafts on your checking account. A $10 fee will apply per overdraft transfer.

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

Certificates of Deposit

Terms: Terms of 30 days (180 days for IRA) up to 5 years are available.

Opening Deposit: A $10,000 ($2,000 for IRA) deposit is required to open a Certificate of Deposit Account.

Account Limitation: You cannot make additional deposits (including ACH &Wires) into a Certificate of Deposit, however Contributions are allowed on all IRA accounts.

Withdrawals: All withdrawals are subject to an Early Withdrawal Penalty (Mandatory IRA distributions are excluded).

Interest: Interest is compounded daily and paid monthly into the account or another Lighthouse Bank deposit account. Interest checks are not available.

Additional Benefits on all Savings Accounts

• Complimentary Online Banking
• Account access through your Debit MasterCard
• Ten foreign ATM Surcharges waived per month