Loans That Pay You Back

For a limited time, get 1.5% cash back* on auto, personal, vacation, recreation, ATV and RV loans.

It's all
about We.

Listerhill Credit Union exists today as a result of the principle of "people helping people".

Introducing Our
House Special

Purchase with as little as 3% down and pay no PMI* with Listerhill's 30-year, fixed-rate mortgage. 

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

A credit union is a nonprofit cooperative owned and operated by its members. This is what distinguishes a credit union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, income is returned to all members in the form of dividends and comprehensive financial services.

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Listerhill Credit Union Solutions Center

Find your perfect banking solution by answering a few questions in our Solutions Finder, or get started exploring our available products by selecting from the life stages listed below.

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Russel D
Member Since 1995
I’ve been a member for years and have used online bill pay for years and its always worked out well for me. Customer service has been very good anytime I call the local office or long distance.
Products this member has used:
John D
Member Since 1997
I am very happy with my Listerhill account. Deposits are credited immediately, service is usually friendly and efficient, there is no long list of hidden fees and I feel like a properly valued customer.
Products this member has used:
Gwendolyn W
Member Since 1993
I am so thankful to my branch manager for his sincere expression of care of me as a member of Listerhill. He gave me advice that was in my best interest. Listerhill Credit Union is the BEST!
Products this member has used:
Brandon S
Member Since 2015
Love Listerhill Credit Union. So happy to see the new location in Killen and all it's wonderful amenities. Change is hard but over time people will love the convenience they have to offer. Thanks for investing in Killen!
Products this member has used:
Gregory A
Member Since 1981
Always there for members, good times and not so good. It pleases me to bank and conduct all my financial services with the locally grown and owned Listerhill.
Products this member has used:
Beth S
Member Since 1988
I just like the hometown feeling you get from dealing with good people. Listerhill has been extremely helpful in taking care of our entire family. Hometown people with service matching our financial needs.
Products this member has used:
Marlene V
Member Since 2003
Great staff with current up to date mobile options and quick, easy banking accessibility.
Products this member has used:
What You Need to Know to Shop Local Safely This Holiday Season

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Ways to Save on Food Costs

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4 Purchases You Should Carefully Consider Before Using Your Debit Card

When paying for various items and services everyday, many people will pull out their debit card without a second thought. Who carries cash nowadays, anyway? Although convenient and easy to use, someti...

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Common Links

Frequently Asked Questions

  • What does Interest-Only Mean?

    With an interest-only loan, you are only responsible for paying the interest on the amount you draw from the construction loan each month. 

    Here’s an example. 

    If you draw $15,000 in January, you pay 4.99% on $15,000

    If you draw an additional $25,000 in February, you pay 4.99% on $40,000 ($15K from January + $25K from February)

  • What is a Construction Loan?

    A home construction loan provides you with financing to build your dream home. 

    With terms up to 12 months, this short-term loan covers your costs, including land, contractor labor, building materials, and more, until your home receives an occupancy certificate.  

    Once your home is ready to move in, you will then secure a traditional home mortgage.

  • You might prefer an adjustable-rate mortgage over a fixed-rate mortgage if...

    • You plan to move before the introductory rate expires.
    • You want a lower payment during your initial payment period.
    • You think rates will drop in the future.
    • You are planning on relocating before the rate adjusts
    • You know you will be paying off the loan in a few years
    • You need to move fast and have limited time to secure a down payment
    • You do not qualify for a 30-year fixed-rate mortgage, but want a 30-year payment schedule
    • Your payment could decrease if the index against which your ARM is benchmarked drops
  • A 5/5 adjustable rate-mortgage is right for you if...

    A 30-year ARM with a fixed interest rate for the first five years, then fluctuating every five years. 

    A 5/5 ARM is best if you want to lock in a low rate over a longer period and maintain the same rate over an extended time. 

    With a 5/5 adjustable-rate mortgage, you can go 10 years with only one rate adjustment, whereas with other lenders, you could experience up to six rate changes in the same time period.

  • A 3/3 adjustable-rate mortgage is right for you if...

    A 30-year ARM with a fixed interest rate for the first three years, then fluctuating every three years

    A 3/3 ARM is best if you want to lock in the lowest rate, but over a shorter period and are okay with the rate fluctuating more often.