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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.

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.

It's all about We
Serve
We exist to serve.

Listerhill's mission and vision are an extension of our founding. We are a financial cooperative whose primary purpose was, and still is, to help our members live a healthy financial life and to offer an alternative to traditional profit-driven banks and lenders.

Innovative
We are innovative.

Whenever we see the opportunity to improve the service our members receive, we make it happen. Our brand is at the forefront of our industry and our products and services are leading edge. We are never satisfied. We know it can always be done better.

Communities
We love our communities.

Our lives and our part within our towns and cities, schools and businesses extends far beyond the service of our members. We are in it for everyone. As our community grows and thrives, so do we. We are altruistic, not for business reasons, but because we care.

Comprehensive
We are comprehensive.

Listerhill is a comprehensive financial institution, offering every financial service necessary to improve a member's life. Although financial services alone can be imitated, our motivation can not.

Approachable
We are approachable.

We lack the stuffiness of a traditional financial institution because we're not a traditional financial institution. We are built from community and we know our neighbors and members. They are our family and friends and we treat them as such. We're always friendly. We encourage interaction.

What is a credit union?
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.

Each member owns an equal "share" in the organization and has the right to vote in elections for the Board of Directors and Supervisory Committee. Every member has one vote, regardless of how much he or she has on deposit. At the Credit Union, there is no select group of shareholders who profits more than anyone else. All members profit — individually and collectively.

When you join a credit union, membership is for life — even if you retire, move away or change employers. Our policy is "lifetime membership"; once a member, always a member.

Our Vision

To value people over profit, work passionately, exceed expectations, proactively seek improvement, and make our community a better place.

Listerhill is
Nonprofit
Cooperative
Member Owned
We're ready to serve you!

With 24/7 access to Online and Mobile Banking as well as a quick and easy application process for loans and mortgages, you can join today and start enjoying the benefits of the Listerhill Credit Union membership.

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Black and White Planes
1937
Before Listerhill Credit Union

In 1937, Richard S. Reynolds traveled to Europe in search of aluminum sources for his company, Reynolds Metals. When he returned, Reynolds shared with Congress stories about the arsenal Adolf Hitler was building in Germany.

U.S. Sen. Lister Hill, of Alabama, listened, and the two persuaded Congress it was in the best interest of the nation to begin producing military airplanes. The local Reynolds plant was created along with a new community, aptly named Listerhill, and supplied the nation with airplanes during World War II from 1942-45. After the war, the plant started producing Reynold's aluminum foil and has long been a key employer in the Shoals.

Reynolds1942
1952
People Helping People

In 1952, ten years after the aluminum plant opened, seven Reynolds Metals employees came together to combat the growing issue of predatory lending to other vulnerable plant workers. At the time, loan sharks would lend money with outrageous interest rates and sometimes never-ending terms. With just $5 each and a passionate idea of creating a cooperative that benefited and protected each other, these seven men founded Listerhill Credit Union.

Operation of the credit union humbly began inside the Reynolds Metals plant in 1953. Shortly thereafter, Listerhill Credit Union would build its headquarters across the street where its main office currently resides.

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1953
A History of Strong Leadership

Mr. Cyril B. Mann was co-founder and elected chairman of Listerhill Credit Union's Board of Directors for more than 57 years, recognized by the World Council of Credit Unions as the longest-serving board chairman in credit union history. In 2012, Mr. Mann was posthumously inducted into the Credit Union House Hall of Leaders. His selfless devotion to Listerhill and dedication to the credit union philosophy of people helping people continues to be an inspiration to everyone who shares in the mission.

Jenny
1990
Growing to Serve

Over the next several decades, Listerhill would grow to expand its service footprint by working with more employer groups and adding value to its expanding membership. This also meant the credit union was opening branches across northwest Alabama and serving thousands of new members while offering new and innovative products and services.

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Today
A Continued Tradition of Excellence

Today, at $1 billion in assets, Listerhill Credit Union is the seventh largest credit union in Alabama serving 100,000 members across two states. Our comprehensive offering of financial services prepare members for every stage of life.

Our innovative retail model and branch design is writing the script for financial institutions across the southeast. In fact, Listerhill was named the Best Credit Unions in Alabama by Forbes magazine and is a certified Great Place to Work.

Listerhill passionately continues its commitment in serving the local community with integrity while striving for excellence and innovation.

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Board Members and Supervisory Committee Members
Mark Linder

Board Chairman

Mark has served on the Board of Listerhill Credit Union since July 2015. A native of Alabama, he hearned a Bachelor of Science in Chemistry and a Master's in Athletic Administration at Wayne State College in Nebraska.

While at WSC, he was a two-time academic All-American in football and upon graduation continued in the program serving as a member of their coaching staff.

Mark served over 30 years in different roles in intercollegiate athletics administration. Recently, Linder transitioned into his current role as a professor in the Department of Kinesiology at the University of North Alabama. He is married to his wife, Michele, and they have three children. 

Dr. David Craig

Board Vice Chairman

Dr. Craig graduated from Lipscomb University and received graduate degrees from Harding University School of Theology and the University of Mississippi. Dr. Craig is a Licensed Senior Psychological Examiner and serves as the Executive Director of The King’s Daughters’ School. He served 20 years on the Board of Directors of First Community Credit Union and serves on the Board of Directors of Listerhill Credit Union.

Alex Godwin

Board Secretary/Treasurer

Mr. Godwin is a graduate of the University of North Alabama and is the Treasurer for Constellium Muscle Shoals. He is a Certified Public Accountant and is actively serving or has served on boards such as Listerhill Credit Union, Tennessee Valley Art Association, YMCA, Shoals TRAC, Shoals Chamber of Commerce and the UNA Foundation.

Mark Massey

Board Member

Mr. Massey is a 25-year career lineman with Franklin Electric Cooperative and serves as a lineman examiner for the International Brotherhood of Electrical Workers Local 558. He is an active member of New Union Missionary Baptist Church in Red Bay, Alabama where he serves on several committees.

He has been a Listerhill Credit Union volunteer for 15 years, serving on the Loan Committee for 5 years and the last 10 years on the Board of Directors. He has attended numerous financial training classes over the years. For the last 12 years, Mark has served on the Board of Directors for the Franklin County Cattlemen’s Association and enjoys operating a small cattle farm.

Kevin Buttrum

Board Member

Mr. Buttrum graduated from University of North Alabama with a GIS degree in 2010 and is currently working to obtain a Masters in Business Administration. He has been employed at Muscle Shoals Electric Board since 2014. He has been a member of Listerhill Credit Union for over 15 years and a board Volunteer since 2018. He enjoys spending time with family and loves doing anything outdoors.

Michelle Kelley

Board Member

Michelle Kelley graduated from the University of North Alabama with a Bachelor's in Business Marketing. She has been a licensed Realtor since 2013 and is currently an independent contractor with Café Realty in Muscle Shoals.

In 2022, she secured her Associate Broker's license. She serves on the Education and the Community Involvement Committees with the Shoals Area Association of Realtors.

She is a very involved member of Highland Park Baptist Church and has served as a volunteer with Listerhill Credit Union since 2021 as an Associate Director on the Supervisory Committee.

Andres Tapia

Board Member

Andres Tapia has over 20 years of financial service experience working with community banks ranging in size from $1 billion in assets to large regional banks of up to $125 billion in assets. Andres has successfully managed retail and compliance teams and has a strong background in retail banking, private banking, fraud, and AML CFT compliance.  He also has experience starting banking divisions and a De-Novo Bank.  Currently, he leads a team of Risk Management consultants that help financial institutions with AML CFT compliance and Fraud mitigation initiatives.

Joey Cantrell

Supervisory Committee Chairperson

Joey Cantrell is a graduate of Northwest Shoals Community College and is employed by Constellium as a maintenance/machine shop manager in the Central service center.

He holds a certification from Assets Management Professional as a Certified Reliability Leader (CRL) and is a published author with two articles for Reliability Connect. He has been a member of Listerhill Credit Union for over 50 years and has served as a volunteer since 2007 on the Loan Committee and Supervisory Committee.

He has attended numerous training sessions on compliance and regulatory issues.

Dr. Gale Satchel

Supervisory Committee Member

With more than 31 years of experience in education, ranging from early childhood education to post- secondary education, Dr. Satchel is honored to have provided authentic academic support to school districts across the nation.

Her educational tour has afforded her many opportunities of which she is grateful. For Dr. Satchel, it is an honor as well as a privilege to serve on the Supervisory Committee. As a seasoned member of Listerhill Credit Union, Dr. Satchel counts it a blessing to serve the members.

Dr. Satchel has one son, MJ Satchel. MJ is also a thriving member of Listerhill. Both serve and worship at Cave Missionary Baptist Church.

Jason Cochran

Supervisory Committee Member

Jason Cochran has served as Executive Director of Governmental Relations & Economic Development at the University of North Alabama since 2019.

Prior to joining UNA, he was employed by the League of Southeastern Credit Unions as Senior Director of Governmental Relations.

There he lobbied on behalf of all Alabama credit unions in Montgomery, AL and Washington, D.C.

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Frequently Asked Questions

  • How can I avoid overdraft fees?

    All Listerhill checking accounts are eligible for 3 Overdraft or NSF Fee refunds per year. To request a refund, visit a Listerhill branch or call 1-800-239-6033.

    Additionally, we provide our members with overdraf services like:

    • Standard Overdraft Coverage

    • Debit Card Overdraft Coverage

    • Overdraft Protection

  • How can I start using mobile banking?

    To Get Started with our Mobile Banking app:

  • Do I have to pay any monthly service fees for having a checking account at Listerhill?

    Our Everyday Checking account comes with no minimum balances and no monthly service fees, so if you choose this account, you won’t have to pay any monthly fees, no matter what your daily balances are.

    If you’re interested in Growth Checking, you’ll have to pay a $10 monthly fee is your average balance is below $1,000. You can easily waive the account fee by keeping $1,000 or more in your account. That way, you can earn interest on your deposits without paying any monthly maintenance fees. It’s a win-win!

  • Why should I open a Growth Checking account?

    Growth Checking is the perfect account for those who want to see their money grow faster. This account offers high returns on your deposits for a small monthly service fee. You can waive the monthly fee by keeping $1,000 or more in your account. What’s even better is that the more you keep in your account, the higher the interest rate you’ll earn, so it makes sense to keep higher balances in your Growth Checking!

    If you want to put your money to work for you, open a Growth Checking account. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!

  • What is everyday checking?

    Everyday Checking is our free checking account. This account is convenient and simple with benefits like no minimum balances and no monthly service charges.

    If you're seeking a hassle-free checking experience coupled with top-rated online and mobile banking services, as well as options for overdraft protection and customizable account alerts, Everyday Checking is the ideal choice for you.

    Plus, our online application makes getting your new checking account easier than ever. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!