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Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.
If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.
You can also qualify for membership by being a family member of a current or potential Listerhill member.
With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.
With a Certificate, or CD, you will earn a guaranteed, fixed rate of return with a fixed date of withdrawal. The longer you choose to save, the more interest you can earn — no matter how Wall Street's doing.
With fast-earning features like Raise-My-Rate bump option, anytime CD deposit, and premium interest rates, Listerhill's certificates are the best anywhere. Apply in less than 10 minutes with our fast online application.
Cash in on rising rates by locking in a one-time rate bump on any certificate we offer with the same term.
Deposit $500 or more at any time to any existing certificate.
As little as $500 can get you started.
Rest easy knowing your account is federally insured up to $250,000.
Although, early withdrawal penalties apply.
Terms range from 6 to 60 months.
Apply for your account in 10 minutes or less with our quick, easy online application.
Cash in on rising rates with Listerhill's raise-my-rate option. Raise-my-rate is a one-time bump option on all certificates allowing members to readjust the interest rate of their existing certificate to the current offered rate for the same term. With a simple phone call, members can start earning more from their certificates without extending the term or paying a fee.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.49% | 3.450% | $500 | 6 months |
| 3.70% | 3.650% | $500 | 12 months |
| 3.45% | 3.410% | $500 | 15 months |
| 3.44% | 3.400% | $500 | 18 months |
| 3.44% | 3.400% | $500 | 24 months |
| 3.29% | 3.250% | $500 | 36 months |
| 3.29% | 3.250% | $500 | 48 months |
| 3.55% | 3.500% | $500 | 60 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 6 months |
| APY (%) | 3.70% |
| DIV/INT Rate (%) | 3.650% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 12 months |
| APY (%) | 3.45% |
| DIV/INT Rate (%) | 3.410% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 15 months |
| APY (%) | 3.44% |
| DIV/INT Rate (%) | 3.400% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 18 months |
| APY (%) | 3.44% |
| DIV/INT Rate (%) | 3.400% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 24 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 36 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 48 months |
| APY (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 60 months |
Standard Certificate APY assumes interest remains on deposit until maturity. Quarterly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.60% | 3.550% | $250,000 | 6 months |
| 3.80% | 3.750% | $250,000 | 12 months |
| 3.56% | 3.510% | $250,000 | 15 months |
| 3.55% | 3.500% | $250,000 | 18 months |
| 3.55% | 3.500% | $250,000 | 24 months |
| 3.39% | 3.350% | $250,000 | 36 months |
| 3.39% | 3.350% | $250,000 | 48 months |
| 3.65% | 3.600% | $250,000 | 60 months |
| APY (%) | 3.60% |
| DIV/INT Rate (%) | 3.550% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 6 months |
| APY (%) | 3.80% |
| DIV/INT Rate (%) | 3.750% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 12 months |
| APY (%) | 3.56% |
| DIV/INT Rate (%) | 3.510% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 15 months |
| APY (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 18 months |
| APY (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 24 months |
| APY (%) | 3.39% |
| DIV/INT Rate (%) | 3.350% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 36 months |
| APY (%) | 3.39% |
| DIV/INT Rate (%) | 3.350% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 48 months |
| APY (%) | 3.65% |
| DIV/INT Rate (%) | 3.600% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 60 months |
Jumbo Certificate APY assumes interest remains on deposit until maturity. Quarterly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.49% | 3.450% | $500 | 6 months |
| 3.70% | 3.650% | $500 | 12 months |
| 3.45% | 3.410% | $500 | 15 months |
| 3.44% | 3.400% | $500 | 18 months |
| 3.44% | 3.400% | $500 | 24 months |
| 3.29% | 3.250% | $500 | 36 months |
| 3.29% | 3.250% | $500 | 48 months |
| 3.55% | 3.500% | $500 | 60 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 6 months |
| APY (%) | 3.70% |
| DIV/INT Rate (%) | 3.650% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 12 months |
| APY (%) | 3.45% |
| DIV/INT Rate (%) | 3.410% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 15 months |
| APY (%) | 3.44% |
| DIV/INT Rate (%) | 3.400% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 18 months |
| APY (%) | 3.44% |
| DIV/INT Rate (%) | 3.400% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 24 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 36 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 48 months |
| APY (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 60 months |
IRA Certificate APY assumes interest remains on deposit until maturity. Quarterly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.70% | 3.650% | $500 | 12 months |
| 3.29% | 3.250% | $500 | 36 months |
| 3.55% | 3.500% | $500 | 60 months |
| APY (%) | 3.70% |
| DIV/INT Rate (%) | 3.650% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 12 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 36 months |
| APY (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 60 months |
Roth IRA Certificate APY assumes interest remains on deposit until maturity. Quarterly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.
Yes, you do need to be a Listerhill Credit Union member to apply for a Money Market Account. To qualify for membership with Listerhill, you must meet one of the following requirements:
Money market accounts typically offer tiered dividend rate structures. That means account balances above certain thresholds earn a higher rate. For example, Listerhill Credit Union offers progressively higher APYs on amounts above $9,999, $49,999, and 99,999. It’s important to realize that only the portion of your deposit above this threshold will earn the higher rate, while the amount below will continue to earn dividends at the lower rate.
Credit unions offer more generous dividends on average than other banking institutions, as well as fewer fees and charges. Credit Unions also offer more personal service to help you set up and manage your money market account.
In order to open a Listerhill Credit Union Money Market Account, you need to be a member of Listerhill Credit Union. You’ll also need:
Credit Union Money Market Accounts allow you to earn more money in dividend payments by offering progressively higher rates for amounts above $9,999, $49,999, and $99,999. Only the portion above the threshold earns the higher dividend rates. Because credit unions are not-for-profit financial cooperatives owned by and run on behalf of their members, dividend rates are higher on average than those offered by commercial bank accounts.