Overview / Commentary
2020 North Pacific Avenue
Santa Cruz, CA 95060

Lighthouse Bank is headquartered in Santa Cruz and is the 110th largest bank in the state of California. It is also the 2,200th largest bank in the nation. It was established in 2007 and as of September of 2018, it had grown to 34 employees at 2 locations. Lighthouse Bank has an A+ health rating.

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Health Grade Components

FDIC Certificate #58646
Year Established2007
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.6%
Return on Equity - YTD12.34%
Annual Interest Income$11.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$298.0MM$256.5MM
LoansQ3 2018vs Q3 2017$230.1MM$188.4MM
DepositsQ3 2018vs Q3 2017$259.4MM$221.6MM
Equity CapitalQ3 2018vs Q3 2017$37.6MM$34.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$5.4MM$4.4MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$0$0
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not Lighthouse Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lighthouse Bank Savings Account Rates

0.25%--Personal Savings
0.25%--Personal Overdraft Savings
0.25%--Business Savings
0.25%--Business Overdraft Savings
0.10%--Attorney-Client Trust

Lighthouse Bank Money Market Rates

0.25%*$50k*-Personal Money Market
OTHER TIERS: 0.20% Up to $50k

Lighthouse Bank Checking Account Rates

0.15%$50k-Premier Nonprofit Interest Checking
0.10%--Personal Interest Checking
0.10%--Business Interest Checking
0.10%--Corporate Checking

Lighthouse Bank CD Rates

1.26%$10k-60 Month CD
1.16%*$90k*-48 - 59 Month CD
OTHER TIERS: 1.01% $10k - $90k
1.01%*$90k*-36 - 47 Month CD
OTHER TIERS: 0.70% $10k - $50k | 0.90% $50k - $90k
0.70%*$90k*-24 - 35 Month CD
OTHER TIERS: 0.50% $10k - $50k | 0.60% $50k - $90k
0.40%$10k-12 - 23 Month CD
0.35%$10k-180 - 364 Day CD
0.15%$10k-30 - 89 Day CD
0.15%$10k-90 - 179 Day CD

Lighthouse Bank IRA Rates

1.26%*$10k*-60 Month IRA
OTHER TIERS: 0.75% Up to $10k
1.16%*$90k*-48 - 59 Month IRA
OTHER TIERS: 0.75% Up to $10k | 1.01% $10k - $90k
1.01%*$90k*-36 - 47 Month IRA
OTHER TIERS: 0.50% Up to $10k | 0.70% $10k - $50k | 0.90% $50k - $90k
0.70%*$90k*-24 - 35 Month IRA
OTHER TIERS: 0.50% Up to $50k | 0.60% $50k - $90k
0.40%--12 - 23 Month IRA
0.35%*$10k*-180 - 364 Day IRA
OTHER TIERS: 0.15% Up to $10k

Lighthouse Bank Locations
Lighthouse Bank2020 North Pacific AvenueSanta Cruz, CA 95060
Cupertino19240 Stevens Creek BlvdCupertino, CA 95014

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