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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.
When you bring us your loan, not only will you get our most competitive rate, we'll give you relationship pricing. Meaning that when you achieve certain "relationship" steps, we'll give you 0.25% off your rate. That's how we're able to give you up to 1% off your current loan rate!*
Everyone deserves to get the most out of their investment. At Listerhill, we want to be more than your lender - we want to be your neighbor! That's why we make achieving our relationship steps and getting relationship discounts easy.
Get 0.25% off your current loan rate when you:
We're so thankful for our members who have already taken steps to strengthen their relationship with our cooperative. You deserve to benefit from relationship pricing whether you've banked with Listerhill for 5 days or 50 years! That's why new and existing Listerhill members are both eligible to take advantage of relationship pricing!
We are excited and ready to meet you! When you complete our short contact form below, your information will be provided to one of our qualified Loan Officers.
They will reach out to you to help you learn more about what it means to lend with Listerhill Credit Union and how you can benefit not only from relationship pricing, but by being a part of a financial cooperative!
*APR = Annual Percentage Rate. All loans subject to membership requirements and credit approval. Rate and term may vary depending on each individual's credit history and underwriting factors. Relationship pricing discounts apply to auto, recreation, and personal loans opened within the last thirty (30) days from the time of request. Share secured loans, mortgages, HELOCs, Quick Loans, Greenlight loans, credit cards, and commercial loans are not eligible for relationship pricing discounts. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 5.24% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Rate and terms subject to change.
**APR = Annual Percentage Rate. Rate range from as low as 9.74% APR up to 18% maximum APR. As low as rate does not include a maximum relationship pricing discount of 1.00%. Personal loan terms from 48 to 72 months. The payment on a $10,000 loan would be $252.38 per month by using the $25.24 per $1,000 at a non-variable interest rate of 9.74% APR with a 48-month term. This equates to total repayment of $12,114.19 over the life of the loan.
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.