Blog

The Ultimate Guide to Applying for a Business Loan

Does your business need an infusion of cash to help it grow? A business loan can provide you with the resources your business needs and offer an affordable payback plan. 

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Signing Loan
Need a break? Skip-a-Pay!

Many people wonder how they’ll get through these months. Fortunately, Listerhill offers an exclusive break from your loan payments during this costly time of year. Now that sounds like a holiday wish come true!

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Family For Thanksgiving
The Products You Need for Managing and Tracking Business Expenses

Running a flourishing business means overseeing a constant flow of money. Luckily, though, there are products that can help you cover, manage and track your business expenses effectively and smoothly. Let’s take a look at some of them. 

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Woman Managing Business
Introducing the LCU Cards App: The Cards Management App You Need

Being able to control and monitor your credit and debit cards is essential to preventing fraud and maintaining ongoing security. With this in mind, we have created the LCU Cards App for you, our members! It is meant to give you, the cardholder, more control of your debit AND credit cards for easier financial management. It works separately from your Listerhill mobile banking app and exists solely to help you better manage your plastics. 

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Lcu Cards App Cropped
5 Ways to Save This Thanksgiving

Between the turkey, ingredients for that luscious holiday meal and décor, hosting a Thanksgiving dinner is not cheap. Looking for ways to cut back without compromising on the quality and festivity of your meal? Look no further! 

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Thanksgiving Blog
When You Should Refinance Your Mortgage [Rule of Thumb]

Refinancing your mortgage can be a great way to save money in the short-term and long-term. When mortgage rates go down (or stay low), it’s a good time to consider refinancing your mortgage. But there are many factors to weigh when deciding the best time is to refinance. We’ve laid them out here.

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Mortgage Refinance
Can I Buy a House When I'm Paying Off a Student Loan?

Many graduated college students end their educational career with a huge amount of student loan debt. College grads often ask the question, "Is it possible for me to buy a house while I’m still paying off this debt?"

Our answer is "yes!" Student loan debt that is managed responsibly should not hold anyone back from purchasing a home. However, there are many important steps to take before you commit to house-hunting.

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Home Owner
People Helping People: Crossroads Community Outreach

Since COVID-19 began spreading strife in our communities earlier this year, there have been many organizations attempting to adjust their practices and provide relief to people in need because of it. We are assisting these organizations by featuring them here as well as donating $500 to their efforts! Today we are featuring Crossroads Community Outreach. 

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Crossroads People Helping People
Is a Debt Consolidation Loan Right For Me?

If you’re overwhelmed by your debt, the one thing you may wish for more than anything else is a blank slate. You can use a personal loan to refinance your existing debt. That means you’ll have one monthly payment at one interest rate instead of the stress caused by a bunch of smaller bills coming due on different days of the month. Of course, this isn’t a solution for everyone.

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Money 2
Fixed-Rate vs. Adjustable-Rate Mortgage: Which is Right For Me?

If you’re mortgage shopping, you may be overwhelmed by the number of options. Dozens of lenders, each with their own rates, terms, conditions and costs, can make the decision feel that way. But it doesn’t have to be that difficult! The choice of which mortgage to go with starts with a simple question: fixed-rate or adjustable?

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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.)