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Annual Meeting 2019

You're Invited To Our 2019 Annual Meeting

As a not-for-profit that is cooperatively owned by you (our members), we all benefit when you engage and participate in credit union ownership. That’s why we are inviting you to attend our 2019 Annual Meeting. It’s an opportunity for you to meet your management, elected board, and many Listerhill employees who serve our membership. We will use this meeting to report on last year's performance and discuss future plans for Listerhill Credit Union.

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Your Voice Literally Counts

When you opened your first account with Listerhill Credit Union, you deposited a small amount into your savings for which has stayed locked into that account ever since. This deposit represents a share of ownership, giving you rights and privileges as an owner of the credit union.

One of those rights is a vote to elect the Board of Directors, your representatives, at the Annual Meeting. This is what sets credit unions apart from other financial institutions like banks. It's the Board of Directors responsibility to oversee the credit union and serve its membership with decisions based on what will best benefit the credit union’s near and long-term direction while ensuring these decisions are in the best interest of the membership at large. As a member/owner, you elect the group of volunteers that truly set the direction of our future. This is why we say It's All About We.

Learn About The Credit Union's Future

Listerhill Credit Union's Annual Meeting provides a forum for you to obtain important financial information about your credit union’s performance from the prior year. This event also gives you the opportunity to learn more about the strategy and goals of Listerhill over the coming years.

All members are invited and encouraged to attend since the information shared impacts your everyday financial life such as dividends, rates, future products, investments in technology, branches, and more. The more informed you are about our performance and goals, the more confident you can feel getting involved with the cooperative.

Connect With Employees

As an organization, we exist to serve the ever-evolving needs of our membership. We're proud to have a passionate team of employees who are genuinely interested in improving the lives of our community. We encourage you to come get to know our employees at the Annual Meeting. As you do, feel free to use this opportunity to share your thoughts, ideas, and concerns with us. We believe the cooperative works best when everyones voice is heard.

Join us at our next Annual Meeting: Tuesday, February 12, 2019 at 7:00pm at the Listerhill Auditorium on East 2nd St. in Muscle Shoals.

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Frequently Asked Questions

  • Maintenance Fee

    New Fee:Details:
    Maintenance Fee We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria: 

     • You or someone in your household has had a current loan or mortgage within the last 12 months. 
     • You or someone in your household has an open credit card 
     • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts
     • You or someone in your household has a relationship with our Listerhill Financial Services department 
     • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month 
     • You are under the age of 25 
     • Your account is less than 90 days old 
     • You have paid a Return Mail Fee or an Inactive Account Fee for the month
  • Jumbo Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:

    Jumbo Certificates Early Withdrawal Penalty

    • Terms of 1 year or less: 30 days interest

    • Terms of over 1 year: 90 days interest

    Monthly Certificate Early Withdrawal Penalty

    • Terms of 1 year or less: 90 days interest

    • Terms of 18 mos-2 yrs: 180 days interest

    • Terms of over 2 years: 210 days interest

  • Regular Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:
    Regular Certificates Early Withdrawal Penalty

     • Terms of 1 year or less: 30 days interest 
      
     • Terms of over 1 year: 90 days interest
    Quarterly Certificate Early Withdrawal Penalty 

     • Terms of 1 year or less: 90 days interest 

     • Terms of 18 mos-2yrs: 180 days interest 

     • Terms of over 2 years: 210 days interest
  • Relationship Fee

    Existing Fee:Changing To:
    Relationship Fee This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee.
  • 60 or 72 Month Jumbo Certificate

    Existing Account:Changing To:What This Means:
    Jumbo Certificates 
    (60 month and 72 month)
    Monthly Certificate 
    (60 month)
    Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. However, you will continue to receive the following benefits: 
     • Interest Paid Monthly 
     • Interest Paid by Deposit to Affiliate Account (Early withdrawal penalties have changed. Please see chart below.)