Skip to content

Rates effective as of January 1, 2019. Fees may reduce earnings.


Checking & Savings Accounts

Account Balance to Obtain APY* Interest Rate APY*
Personal Interest Checking $0.01 & over 0.10% 0.10%
Personal Savings3 $0.01 & over 0.25% 0.25%
Personal Overdraft Savings $0.01 & over 0.25% 0.25%
Business Interest Checking1 $0.01 & over 0.10% 0.10%
Premier Nonprofit Interest Checking1 $50,000 & over 0.15% 0.15%
Attorney-Client Trust2 $0.01 & over 0.10% 0.10%
Business Savings3 $0.01 & over 0.25% 0.25%
Business Overdraft Savings1 $0.01 & over 0.25% 0.25%

1Subject to Eligibility

2All interest is reported and sent to the State Bar of California

3Transaction Limits Apply

*APY = Annual Percentage Yield.

Corporate Checking

Learn More
Tier Interest Rate APY*
$0 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.10% 0.10%
$100,000+ 0.10% 0.10%
*APY = Annual Percentage Yield.

Money Market Accounts

Learn More
Tier Interest Rate APY*
$0 - $24,999 0.20% 0.20%
$25,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.25% 0.25%
$100,000 - $249,999 0.25% 0.25%
$250,000+ 0.25% 0.25%

Transaction Limits Apply

*APY = Annual Percentage Yield.

Certificates of Deposit ($10,000 - $49,999)

Learn More
Term Interest Rate APY*
30 - 89 Days 0.15% 0.15%
90 - 179 Days 0.15% 0.15%
180 - 364 Days 0.35% 0.35%
12 - 23 Months 0.40% 0.40%
24 - 35 Months 0.50% 0.50%
36 - 47 Months 0.70% 0.70%
48 - 59 Months 1.00% 1.01%
60 Months 1.25% 1.26%

Minimum to Open is $10,000. Penalty for Early Withdrawal.

*APY = Annual Percentage Yield.

Certificates of Deposit ($50,000 - $89,999)

Learn More
Term Interest Rate APY*
30 - 89 Days 0.15% 0.15%
90 - 179 Days 0.15% 0.15%
180 - 364 Days 0.35% 0.35%
12 - 23 Months 0.40% 0.40%
24 - 35 Months 0.60% 0.60%
36 - 47 Months 0.90% 0.90%
48 - 59 Months 1.00% 1.01%
60 Months 1.25% 1.26%

Minimum to Open is $10,000. Penalty for Early Withdrawal.

*APY = Annual Percentage Yield.

Certificates of Deposit ($90,000+)

Learn More
Term Interest Rate APY*
30 - 89 Days 0.15% 0.15%
90 - 179 Days 0.15% 0.15%
180 - 364 Days 0.35% 0.35%
12 - 23 Months 0.40% 0.40%
24 - 35 Months 0.70% 0.70%
36 - 47 Months 1.00% 1.01%
48 - 59 Months 1.15% 1.16%
60 Months 1.25% 1.26%

Minimum to Open is $10,000. Penalty for Early Withdrawal.

*APY = Annual Percentage Yield.

IRA Certificates of Deposit ($0 - $1,999)

Learn More
Term Interest Rate APY*
180 - 364 Days 0.15% 0.15%
12 - 23 Months 0.40% 0.40%
24 - 35 Months 0.50% 0.50%
36 - 47 Months 0.50% 0.50%
48 - 59 Months 0.75% 0.75%
60 Months 0.75% 0.75%

Minimum to Open is $2,000. Penalty for Early Withdrawal. Excludes Mandatory Distributions.

*APY = Annual Percentage Yield.

IRA Certificates of Deposit ($2,000 - $9,999)

Learn More
Term Interest Rate APY*
180 - 364 Days 0.15% 0.15%
12 - 23 Months 0.40% 0.40%
24 - 35 Months 0.50% 0.50%
36 - 47 Months 0.50% 0.50%
48 - 59 Months 0.75% 0.75%
60 Months 0.75% 0.75%

Minimum to Open is $2,000. Penalty for Early Withdrawal. Excludes Mandatory Distributions.

*APY = Annual Percentage Yield.

IRA Certificates of Deposit ($10,000 - $49,999)

Learn More
Term Interest Rate APY*
180 - 364 Days 0.35% 0.35%
12 - 23 Months 0.40% 0.40%
24 - 35 Months 0.50% 0.50%
36 - 47 Months 0.70% 0.70%
48 - 59 Months 1.00% 1.01%
60 Months 1.25% 1.26%

Minimum to Open is $2,000. Penalty for Early Withdrawal. Excludes Mandatory Distributions.

*APY = Annual Percentage Yield.

IRA Certificates of Deposit ($50,000 - $89,999)

Learn More
Term Interest Rate APY*
180 - 364 Days 0.35% 0.35%
12 - 23 Months 0.40% 0.40%
24 - 35 Months 0.60% 0.60%
36 - 47 Months 0.90% 0.90%
48 - 59 Months 1.00% 1.01%
60 Months 1.25% 1.26%

Minimum to Open is $2,000. Penalty for Early Withdrawal. Excludes Mandatory Distributions.

*APY = Annual Percentage Yield.

IRA Certificates of Deposit ($90,000+)

Learn More
Term Interest Rate APY*
180 - 364 Days 0.35% 0.35%
12 - 23 Months 0.40% 0.40%
24 - 35 Months 0.70% 0.70%
36 - 47 Months 1.00% 1.01%
48 - 59 Months 1.15% 1.16%
60 Months 1.25% 1.26%

Minimum to Open is $2,000. Penalty for Early Withdrawal. Excludes Mandatory Distributions.

*APY = Annual Percentage Yield.


IMPORTANT INFORMATION FOR ALL ACCOUNT TYPES:

A) Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period (366-day period for a leap year).

B) We use the daily balance method to calculate the interest on your account and determine the minimum daily balance to obtain the APY. This method applies a daily periodic rate to the principal in the account each day.

C) All Checking, Savings and Money Market Accounts are variable rate accounts. As such, the interest rate and APY on all accounts may change daily at our discretion.

Lighthouse Bank has been the perfect partner for our business. They helped us secure our loan and credit line to help pivot our business and set us up for success for years to come.

Spencer Joseph & Brandon Stewart
Caliber Truck Co

Lighthouse has been a partner of the Digital NEST since its inception. It has been a pleasure working with them and they have met all of our needs including easy access to Online Banking & Remote Deposit Capture.

Jacob Martinez
Digital NEST

Starting a business is tough, but Lighthouse Bank’s SBA Lending Program ensured we had the capital we needed to succeed.

Chris Baca, Charles Jack, and Jared Truby
Cat & Cloud Coffee

It's fun to go to Lighthouse Bank! We're appreciated as individuals and as members of our shared community. We were happy to partner with them via a loan to solar power our business.

Rob & Kathleen Genco
Discretion Brewing

Banking with Lighthouse allows us to spend more time running our business and less time making trips to the bank!

Mary Ann & Mark Escobar
Escobar Diamonds

Lighthouse Bank’s focus on exceptional service is impressive! They understand my needs and continually deliver ultra-responsive service.

Karen K. McCay
Pahl & McCay

Lighthouse Bank isn’t just a bank. They really care about every customer who walks in the door, from greeting you by name, to finding the right solution to your banking needs, and supporting small businesses.

Carrie Clark & Sebastian Manjon
ViDA Juice

We love them so much we decided to open personal accounts as well!

Leilani Zehnder and Ariel Stirm
Botanic & Luxe

We couldn’t have asked for a better partner to start a new business! Lighthouse Bank’s SBA lending program has helped us turn our dream into a reality.

Jason and Josh Morgan
PRIMAL Santa Cruz

See all Testimonials