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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.

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Cutting Costs In College

College can be daunting, for parents and students alike, when it comes to expenses. Ease your stress by checking out the helpful tips below on how to save money before and during your college career.

Editorial Note: Articles published are intended to provide general information and educational content related to personal finance, banking, and credit union services. While we strive to ensure the accuracy and reliability of the information presented, it should not be considered as financial advice and may be revised as needed.

1. Stay In-State

No disrespect to out-of-state schools, but staying in-state is generally much more affordable. Schools out-of-state can be twice as expensive just because of their location.

If you are determined to leave the nest (and move 200 miles away) consider a state tuition exchange program. Several states allow non-resident students the opportunity to attend participating out-of-state colleges at the same rate they would pay for an in-state college or university.

2. Rack Up College Credits

If you are still a high school freshman, sophomore, or junior, consider courses that offer college credit in return for course completion. Many universities provide reduced cost dual-enrollment classes to high school students, and many high schools offer Advanced Placement courses that could significantly reduce the number of classes you are required to take before college graduation.

3. Find A Roomie (Or Two)

If you are not required to live in dormitory housing during your first year of college, consider living with a roommate, or, dare we say it, your parents. Yes, you may think your parents are not the coolest people, but you know what else isn't cool? Not having enough money eat. Talk to your parents about this option or start the search for a roommate early.

4. Ditch Your Ride

If you decide to live on campus, take your old bike out of the garage and let it see the light of day. Gas is an extra expense that you can eliminate by walking, skipping, dancing or razor scootering to your classes.

5. Dine In

We know it's hard, but now is the time to learn how to cook and meal plan. A few trips to restaurants can be more expensive than a week's worth of groceries. Our suggestion? Make a healthy veggie lasagna, cut it into portions, and freeze the extras for those days when you're hungry but too tired to cook or ask your mom for her recipe (you know it's the best.)

6. Rent Your Books

Mention the words "I need to purchase an advanced chemistry textbook" around any college graduate, and we promise you will see them shudder. Textbook prices are high, and we recommend you rent them. You still get all the information you need at a much more reasonable price.

Also, check with your professor to make sure the book is required for class and not just suggested reading. You may be allowed to just download helpful guides or share books with another student.

7. Apply For Grants And Scholarships!

Lucky for you, we have a scholarship opportunity available right now! We will be recording scholarship videos tonight at March First Fridays! Stop by the Listerhill tent and answer the question, “How will your education benefit your community?” After you record your video, you will be sent a personal link to our online application. We will be announcing our scholarship winners on listerhill.com in April.


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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!