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Financial Resources UNA Students Can Take Advantage of at Listerhill

The UNA Keystone Debit Card isn’t just for college students, but staff, alumni, and the community. Get access to a range of services and features.

College students have so much to keep track of – at a minimum academics, sports, clubs, and social events. Keeping up with any financial assistance program requirements, working, and applying for jobs or internships can also be important aspects of life at most colleges and universities. That’s why for many students, even though they’re crucial, banking and financial literacy can often take a back seat.

Listerhill Credit Union appreciates that simply making it to graduation can be a full-time occupation. That’s why we offer financial resources, products, and services that make money management convenient and accessible to even the busiest folks.

We even offer a debit card just for students, friends, fans, and alumni of The University of North Alabama, the UNA Keystone Debit Card.

Be a Card-Carrying UNA Fan with the UNA Keystone Debit Card

Now, you can show off your Lion pride with every purchase. That’s because every time you use the Keystone Debit Card to buy something, Listerhill donates a portion of the amount spent to UNA.

We’ve donated time and money to UNA for the past decade, and we thought it was time to deepen our commitment to growing UNA with the UNA Keystone Debit Card. Feel good about supporting UNA students and alumni, as well as its athletics and advancement programs.

You Benefit, Too

The benefits aren’t just for the school, though. Your UNA Keystone Debit Card comes with access to a broad range of Listerhill checking products, services, and features. Those include:

  • 24/7 account access via mobile or online banking and our Smart ATMs

  • Account alerts to help you track deposits, withdrawals, your balance, and more

  • No minimum balance required when you have the Everyday Checking account

  • Instant card issue when you visit a Listerhill branch (including our UNA branch, The Hill)

  • Up to 3 annual overdraft refunds annually

  • eStatements that protect the environment while giving you instant access to your account history

Listerhill Membership is its Own Reward

Listerhill is a credit union, which is good news for you – especially if you’re still learning the ropes when it comes to independently managing your finances.

Unlike traditional banks, credit unions are based in their communities. Membership is specific to the people who live, work, volunteer, and go to school in the area. What’s more, those members own the credit union, which is run by board members they choose.

Even better, credit unions are non-profit co-ops. While a commercial bank is interested in profit that goes to shareholders, credit unions aren’t. They distribute their profits to their members.

The result? Bigger dividends and lower interest rates on loans.

Members need to succeed in their financial goals for this model to work. That’s why credit unions work with members to help them achieve those goals in a way most banks wouldn’t. If you don’t have much credit history, this means a credit union is often a better option for you if you’re looking to secure a loan or get a credit card.

Listerhill Benefits for College Students

Whether you’re fresh out of high school or that graduation date on the calendar is getting closer by the minute, Listerhill is available to help you plan for the future. By becoming a member, you’ll be eligible for more than just the UNA Keystone Debit Card.

You’ll also be able to take advantage of:

  • Financial wellness programs

  • Scholarships

  • Financial planning services

  • Competitive rates

  • Visa Platinum Merchandise Rewards and Visa Platinum Cash Back credit cards

  • Friendly, approachable customer service

  • Comprehensive financial products and services
    • Checking and savings accounts

    • Business checking, savings, credit cards, and loans

    • Borrowing – auto, personal, recreational, deposit secured loans, and mortgages

  • A financial institution that’s invested in the community

Get Ready for the Future with Listerhill

Whatever college life (and life after college) throws at you, you can feel prepared and confident when you trust your finances to Listerhill. In addition to our commitment to helping our members and community grow and thrive, we’re federally insured by the National Credit Union Agency.

Stop by our full-service branch in The Commons in the heart of UNA’s campus to see for yourself what we’re all about. In addition to a deposit-taking ATM and a charging bar for your electronics, our knowledgeable, dedicated Financial Gurus can answer all your questions and walk you through the membership application process.

If you decide to join us, you can also walk out with an instant-issue Keystone Debit Card.

Listerhill membership is ideal for anyone who cares about making their community a better place while planning for the future. Help out the school you love while making the kinds of purchases you make every day. Come see us about a UNA Keystone Debit Card today.

Learn More About The UNA Keystone Debit Card

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Frequently Asked Questions

  • How am I eligible for membership at Listerhill if I don't live near a branch?

    You can become eligible for membership at Listerhill anywhere in Alabama if you join the Alabama Consumer Council or the Athens State Alumni Association. In Tennessee, you can also become eligible for membership if you join the Athens State Alumni Association. This membership is initiated at no cost to you and doesn't require any setup on your part outside of the normal application process to become a member of Listerhill.

  • How can I access my Listerhill accounts without a nearby branch?

    If you live in Alabama or in Tennessee but don't have a Listerhill branch location nearby, there are still plenty of ways to access your accounts. You can use our online banking, mobile banking app, and cards app to access your accounts from your devices. You can also take advantage of our CO-OP Shared Branches for easy access to your money wherever you are. If you need to get in touch, we're always one call away.

  • Can I open a Listerhill account online?

    You can open your Listerhill account, loan, or credit card from the comfort of your home with our easy online application. Or, if you want to apply for a mortgage, you can learn more about our offerings and start your application here.

  • Am I eligible for membership at Listerhill?

    If you live, work, attend school, or own property anywhere in Alabama or Tennessee, you're in luck! You're eligible to become a Listerhill member.

  • The Great Giveback Official Rules

    1. Eligibility: No purchase or obligation necessary to participate and win. All participants must be 19 years of age or older at time of contest participation. Employees of Listerhill Credit Union are not eligible to register for the contest.

    2. How To Enter the Contest: All Listerhill members who have consumer loans in good standing, (subject to limitations below) are automatically entered. Anyone who takes out a new loan with Listerhill Credit Union, or refinances a loan from another lender with Listerhill Credit Union (subject to limitations below) will automatically be entered to win. Limit of one entry per loan.

    NO PURCHASE NECESSARY: To enter the contest without a loan, send a self-addressed, stamped envelope to: Listerhill Credit Union, P.O. Box 566, Sheffield, AL 35660, Attn: Great Giveback Contest Entry. Limit one entry per person. Written entries must be received no later than July 3, 2021.

    Listerhill Credit Union will not be responsible for incomplete, lost, late, misdirected or illegible entries or for failure to receive entries. All entries become property of Listerhill Credit Union and none will be returned. Any questions regarding the number of entries submitted shall be determined by Listerhill Credit Union in its sole discretion, and Listerhill Credit Union reserves the right to disqualify any entries by persons determined to be tampering with, violating, or abusing any aspect of the contest.

    3. Contest Entry Requirements: In the event the Credit Union, in its sole discretion, determines that any Entry contains content that does not comply with these Official Rules or does not otherwise comply with regulatory guidelines, Credit Union reserves the right to disqualify the entry.

    4. Determining the Winner: A Credit Union employee will select at random four (4) $500 winners (one per day July 12-15) and one Grand Prize Winner from all entries received on July 16, 2021. You do not have to be present to win.

    5. Prizes: $500 Cash Prize: the Credit Union will award four (4) members with $500 cash each. Grand Prize: The Credit Union will pay up to $25,000 toward your loan with Listerhill Credit Union, or combination of loans. No loan payments will be made to loans with any other lender. No cash equivalent provided, and the total prize amount may be less depending on the outstanding amount of loan balance(s) with Listerhill Credit Union. In no event will the prize awarded exceed the total amount of the winner’s outstanding balance of qualifying loans with Listerhill Credit Union. Federal, state and local taxes are the sole responsibility of the winner. IRS regulations require the Credit Union file a 1099 on behalf of the winner.

    A Credit Union employee will call the prize winners and the prize winners will be called up to five times during regular business hours at number provided on entry form and will leave no messages. Failure to reach winner during these calls may result in disqualification of winner, forfeiture of his or her interest in all prizes, and selection of a substitute winner drawn from the drum. Winner will be required to schedule a time, at least 48 hours in advance, to visit Listerhill Credit Union, located at 4790 2nd Street, Muscle Shoals AL, 35661 in person, during regular business hours within seven (7) days of being notified to claim prizes by providing proof of eligibility for prize won and completing and signing an affidavit of eligibility and a liability and publicity release. Failure of any Winner to timely contact the Credit Union, visit the above Credit Union office in person and sign and return any required affidavit and release, or to claim a prize or comply with any term or condition of these Official Rules, will result in drawing Winner's disqualification and the forfeiture of his or her interest in the prize. Winners may waive their right to receive prizes. Prizes are non-assignable and nontransferable. No substitutions allowed by winner.

    6. To be eligible to win, all loans must be in good standing (not more than 30 days past due at the time of drawing. Eligible loans are limited to auto loans (no indirect dealer loans), personal loans (no loans secured by real property, such as mortgages, 2nd mortgages, and Home Equity Lines of Credit) and recreation loans made to consumer borrowers (not business or commercial loans).

    6. Participation. By participating, entrants agree to be bound by these Official Rules and the decisions of the Contest. Except where prohibited, acceptance of any prize constitutes winner's consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. Prizes not won and claimed by eligible winners in accordance with these Official Rules will not be awarded and will remain the property of the Credit Union.