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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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What You Should Know About Listerhill's New Associational Membership Option

A new Listerhill membership option is now available and opens up a host of financial features and benefits to folks outside of our area

We’ve got some exciting news! Listerhill is currently working with the Alabama Consumer Council (a chapter of the American Consumer Council) and Athens Alumni Association to establish a new associational membership option. This move allows for residents of other qualifying states (see the list here) to join Listerhill!

Read on to learn the basics of this new membership option.

New Listerhill Membership Option Features

Membership at Listerhill is opening up to new folks, and we couldn’t be more excited to share more of the great savings options designed just for our members. While membership was already open to those who lived, owned property or worked in certain counties in Tennessee and Alabama, it’s no longer restricted only to those who live in qualifying counties.

Now, if you belong to either the Alabama Consumer Council or the Athens Alumni Association in a qualifying state, you can become a member. Please note that you must reside in Alabama, Georgia, Mississippi, or Tennessee if you’re interested in becoming a Listerhill member by joining either association.

Even better, when you join either association, Listerhill will foot the bill for your first year of membership dues.

About the Alabama Consumer Council

The American Consumer Council is a non-profit consumer education organization. As a state branch, the Alabama Consumer Council deals primarily with financial education and keeping our members informed about various product recalls.

About the Athens Alumni Association

The Athens Alumni Association is open to alumni of Athens State University. A board of directors composed of alumni makes a variety of decisions about supporting the university, its students, and various on-campus effects. Support to the university comes in the form of scholarships and on-campus projects.

Benefits of Listerhill Membership

When you join Listerhill, you’re not simply opening an account at another financial institution. You’re joining a community.

As a member-owned nonprofit, Listerhill doesn’t exist to make money for faraway investors or shareholders. Instead, they’re here for the people who work, attend school, own property, and essentially live their lives in the same place where they keep their hard-earned money. Our profits come right back to you, in the form of lower interest rates on loans and higher dividends on savings accounts and CDs.

And it doesn’t stop with money. We’re proud to give back to the community in the form of sponsorships and scholarships for schools and volunteerism. Additionally, we are proud to partner and sponsor local businesses and organizations.

With so many things uncertain, the old saying from “The Wizard of Oz” is true: “There’s no place like home.” The community-oriented nature of credit unions means you enjoy the luxury of a financial institution that cares about you as an individual, that takes the time to get to know you, look at your financial situation, and help you figure out the best way to get where you want to be.

Whether you live, work, or own property in Huntsville, Madison County, Birmingham, or Gulf Shores, or any of the other localities that are eligible for membership, if you are looking for another credit union option, Listerhill is here for you.

Get Started With Listerhill’s New Membership Option

Why should we keep something this good to ourselves?

This is it. This is your opportunity to take advantage of Listerhill’s personalized member service and competitive rates by joining an approved association at no cost to you for the first year. Membership is no longer restricted to people with connections to certain places.

Money management shouldn’t simply be another chore, or worse, something you try not to think about. Listerhill prides itself on its financial education tools and resources for members. We offer a variety of Financial Wellness programs like:

  • Schools events

  • Workshops at your workplace

  • Financial literacy in the classroom at high schools and colleges

  • BALANCE Financial Fitness Program

From group workshops to confidential, free financial counseling, Listerhill is ready to help you make your financial goals a reality.

Our members matter to us, and so does their financial future. If you want to know more, we’re ready to answer your questions and to tell you all about our various programs, initiatives, products, and services.

Learn more about our community and join us.

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Common Links

Frequently Asked Questions

  • How do I know what kind of interest I have?

    If you are not sure what kind of interest your loan has, check your loan documents or contact your lender.

    (Source: Banzai)

  • Is Simple or Compound Interest Better?

    It depends on what you need! If you are saving money in an account or being repaid for a loan, compound interest may be a good choice for you.

    If you are borrowing money, you may be able to pay less over time with simple interest.

    (Source: Banzai)

  • How do you calculate interest on a savings account?

    The simplest way to calculate interest is to use an online savings calculator like this one. But if you want to do the math yourself, you can plug your information into the compound interest formula of A = P (1 + r/n)^(nt).

    (Source: Banzai)

  • How does compound interest work?

    Compound interest means that the money you earn in interest also earns interest, rather than just the principal. Basically, the amount of interest you earn will grow every time interest is added (or compounded) rather than staying the same. This makes it ideal for savings accounts. The formula for calculating compound interest is A = P (1 + r/n)^(nt). The variables for this formula are:

    • A = Total amount
    • P = Principal or staring amount
    • r = Annual interest rate
    • n = Number of times interest is added per time period
    • t = Number of time periods

    (Source: Banzai)

  • What is an average interest rate?

    Interest rates vary greatly depending on the type of account, supply and demand, and what the Federal Reserve sets. For a typical savings account, you could expect anywhere from 0.01-0.08%. For a high yield savings account, on the other hand, it’s not uncommon to see interest rates of 0.2%-0.6%. A CD (certificate of deposit) can earn 0.07-1.2%, or even higher, depending on the length and financial institution.

    (Source: Banzai)