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People Helping People: Community Action Agency of Northwest Alabama

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 Meals on Wheels through the Community Action Agency of Northwest Alabama.

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Meals On Wheels
How Many Credit Cards Should You Have?

Adding credit card approvals to your list can happen quickly. There’s always a new promotion or creative card that allows you to earn rewards, get cashback, pay 0% interest, and more, but do you need different types of cards to maximize your spending power?

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People Helping People: Thrive Alabama

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 Thrive Alabama. 

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Php Thrive Al
"Good" Credit vs. "Bad" Credit - What It Really Means

Good credit vs. bad credit. While you might hear about the difference between a good credit score and a not so good credit score, what do the terms "good credit" and "bad credit" really mean?

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Red Credit Card
People Helping People: The Rescue Me Project

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 The Rescue Me Project.

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Rescue Me Project Feature
People Helping People: Big Brothers Big Sisters

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. We are assisting these organizations by featuring them here as well as donating $500 to their efforts! Today we are featuring Big Brothers Big Sisters of the Shoals.

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Bbbs People Helping People
Does Closing a Credit Card Hurt Credit?

You're thinking about closing your credit card. Sounds harmless, right? Well, it depends. In some cases, it will make sense to close a credit card, but in most situations, it's better if you leave it open, even if you don't use it. 

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Cutting Credit Card
What You Need to Know About Student Loan Changes During COVID-19

With unemployment levels rising and many employers cutting work hours, lots of college grads are now struggling to meet their student loan payments. Thankfully, the federal government has passed legislation to ease this burden. With that said, many students are confused about the terms and conditions of these changes.

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Headphones And Calculator
How Credit Cards Work

If you’re considering opening up a credit card, it’s critical to know the details. Understanding how credit cards work is at the heart of that process. This doesn’t just mean knowing the features and benefits of your particular card, or when to make payments, but the full workings of how credit cards are used.

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Woman With Credit Card
How To Choose A Credit Card That's Right For You

There’s never been a better time to be in the market for a credit card. When you’re ready, it’s important to take a step-by-step approach to determine how to choose a credit card for your needs. 

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Wallet With Cards
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  • 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.)