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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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Protect Yourself From Texting Scams

Be aware of the latest texting scams and protect your finances.

In recent weeks, we have noticed a significant increase in members being tricked by text message scams. How can you tell the difference between communication from a scammer and communication from Listerhill? We have included examples of legitimate text alerts below.

Text Scam Examples

A legitimate text alert will include the last four digits of your debit card number. The text alert should also use proper spelling, capitalization, and include dollar symbols. It should not include the word "bank" in our name. If you did make the purchase in question, then there is nothing to worry about. Simply reply Y to confirm. If the purchase in question is fraudulent, reply N to deny. If you choose N to deny, the next message will instruct you to reach out to Fraud Detection at 888-918-7313.

Once on the phone with Fraud Detection, please note that you should never be asked to provide your full debit card number, credit card number, CVV, Access ID, or password. They may ask to verify the last four digits of your card, but no more. Never share your full card number or online banking login information.

If you choose not to respond to the text alert in the first 30 minutes, Listerhill will reach out to you from the following numbers. If the card in question is a debit card, the call will come from 800-272-9446. If the card in question is a credit card, the call will come from 800-231-5262.

Fraudulent scam text alerts may come from phone numbers with 802 area codes. When in doubt, please reach out! Call 256-383-9204 and a Contact Center representative will help you determine if the text you received is legitimate or fake.

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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)