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4 Ways to Be Eligible For Credit Union Membership

Credit union membership offers many benefits, like lower interest rates and fewer fees, that most big banks can’t match. Read about credit union eligibility here.

Credit unions have advantages that some big banks can’t match. When exploring the benefits of a credit union, you’ll typically find lower interest rates for loans, lower fees and higher savings rates, and a variety of resources to put you on the path to financial success.

At Listerhill Credit Union, we believe in membership for life. Even if you retire, move away, or change employers, you have a lifetime membership. Read below for four different ways toward your credit union eligibility with us!

1. Be Local

To become a member of a credit union, you need to have a common bond with the other members. Most modern-day credit unions must actively have a Community Charter. This means that credit union membership is open to everyone who lives in a specific geographic location, usually a city or county.

At Listerhill, if you live in the states of Alabama, Georgia, Mississippi, or Tennessee, you are eligible to become a member.

2. Join By Association

Not near a branch? No problem! You have credit union eligibility anywhere in Alabama if you join the Alabama Consumer Council or the Athens State Alumni Association. In Tennessee, Georgia, or Mississippi, 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 outside of the normal Listerhill membership application process.

Learn about Listerhill's new associational membership

3. Family Membership

You can also qualify for membership by being a family member of a current Listerhill member.

To qualify, you must be an immediate family member of a current member. This includes spouses, children, siblings, parents, grandparents/grandchildren, step-parents/children/siblings, and adoptive relationships. We also take into consideration potential members. Credit union eligibility also counts if you live and share household expenses with a current member.

4. Other Credit Union Eligibility Options

The three options previously mentioned are unique to becoming a Listerhill member, but there are other ways to achieve credit union eligibility.

Generally speaking, other ways include options like your employer establishing a relationship with a credit union, and all employees are invited to join. Employees, students, or family members of students specific to certain school districts could also be an avenue to membership with your local credit union!

Your Membership Matters

At Listerhill, our vision is to value people over profit — all members profit individually and collectively. We work passionately to exceed expectations, seek improvement and make our community a better place! With only $5, you can join us as a member today.

Learn more about how you can be eligible to join Listerhill


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Frequently Asked Questions

  • What if I get an error message when I try to enroll an email address or U.S. mobile number?

    Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our member support team at 256.383.9204 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.

    Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle® through your Listerhill Credit Union banking app and online banking. Please call our member support team at 256.383.9204 for help.

  • Is my information secure?

    Keeping your money and information safe is a top priority for Listerhill Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

  • I'm unsure about using Zelle® to pay someone I don't know. What should I do?

    If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.

    These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Listerhill Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

  • Will the person I send money to be notified?

    Yes! They will receive a notification via email or text message.

  • How long does it take to receive money with Zelle®?

    Money sent with Zelle® is typically available to an enrolled recipient within minutes.3

    If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.3

    If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

    If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

    Still having trouble? Please contact our member support team at 256.383.9204.