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How to Refinance Your Mortgage

The historically low mortgage interest rates of under three percent have left many Alabama homeowners wondering if they should refinance their mortgage. While pursuing a mortgage refinance now could provide several benefits, it is important to understand the benefits and weigh the pros and cons.

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Financial Resources UNA Students Can Take Advantage of at Listerhill

College students have so much to keep track of – at a minimum academics, sports, clubs, and social events. Keeping up with any financial assistance program requirements, working, and applying for jobs or internships can also be important aspects of life at most colleges and universities. That’s why for many students, even though they’re crucial, banking and financial literacy can often take a back seat.

Listerhill Credit Union appreciates that simply making it to graduation can be a full-time occupation. That’s why we offer financial resources, products, and services that make money management convenient and accessible to even the busiest folks.

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5 Tips for Getting the Best Home Equity Loan or HELOC Rate

If you are looking to leverage the equity you’ve built in your home to borrow money, you are probably considering getting a home equity loan or a home equity line of credit (HELOC).

What you may not be aware of, though, is that there are ways to improve the rate you get on your HELOC or home equity loan, thus saving you money in the long term.

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Requirements for a Home Equity Loan or HELOC

If you are looking for ways to tap into your home’s equity and borrow low-interest money, you’ve probably come across information about taking out a home equity loan or accessing a home equity line of credit (HELOC).

Depending on your situation, though, you may or may not meet the requirements for a HELOC or a Home Equity Loan. We’ve laid out the basics so you can understand what is required to tap into your home’s value with these two tools.

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Forbes Names Listerhill Best Credit Union in Alabama for Second Year in Row

We've once again been named the best credit union in Alabama according to Forbes! Forbes rated banks and credit unions based on overall recommendations and satisfaction along with five subdimensions: trust, terms and conditions, branch services, digital services, and financial advice. Over 25,000 customers were surveyed through market research firm Statista to capture their opinions on current and former banking relationships. Of the 5,068 credit unions nationwide, just 3.6% made Forbes’ list.

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How to Choose the Right Mortgage Loan

Shopping for a mortgage can be stressful, especially if it’s your first home. From confusing terminology to difficult-to-compare differences, the process can make your head spin. To understand the process, there are a few concepts you should be familiar with. In addition, there are some general steps to follow to get you in the right home with the right loan.

To help you through the process, we’ve developed this guide. It covers some general definitions and some guidelines, from setting a budget to shopping for a mortgage.

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6 Ways To Save On Your Vacation

The open road is calling and your vacation awaits! But first, you need to work out the financial details. How are you going to pay for your getaway? These six vacation saving tips will help you plan a perfect getaway without busting your budget.

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Vacation
How Listerhill helped the Putnams Build Their Dream Project with Cash Back (and how we can help you too!)

Meet Trennon and Tracey Putnam, proud members of Listerhill Credit Union. In search of a new project, the Putnams wanted to add a nice flair to their landscaping. Using their cash back from a previous loan campaign, they were able to fund and create a fun gazebo for their yard.

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Understanding the Different Types of Mortgages

Shopping for a mortgage is exciting, but it can also seem as if you need to learn a whole new language. What is a conventional loan? What does fixed-rate and adjustable-rate mean?

We're here to answer these questions and more to help you feel confident as you begin the process of applying for a mortgage.

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6 Ways to Get the Best Mortgage Refinance Rate

When you're refinancing an existing loan, the interest rate is one of the most important factors. Fortunately, many of the things you can do to get the best refinance rate will have the added benefit of improving your general finances and credit. In this blog, we'll discuss six ways you can get the best refinance mortgage rate.

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Frequently Asked Questions

  • How do I qualify for membership at Listerhill?

    To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, or Tennessee, you are eligible to become a member.
      • Depending on your individual eligibility requirements, 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.
  • If you do not live in qualifying counties or states

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

  • If you do not live in qualifying counties

    If you do not live, attend school, own property, or work in the qualifying counties (listed above), you can become a member by joining an approved association (at no cost to you) if you reside in Alabama, Georgia, or Tennessee.

  • If you do live in qualifying counties

    You must live, attend school, own property, or work in qualifying counties:

    • Lauderdale County, AL
    • Colbert County, AL
    • Franklin County, AL
    • Marion County, AL
    • Winston County, AL
    • Cullman County, AL
    • Limestone County, AL
    • Lawrence County, AL
    • Morgan County, AL
    • Lamar County, AL
    • Fayette County, AL
    • Walker County, AL
    • Maury County, TN
    • Spring Hill, Williamson County, TN
  • Is there a Listerhill branch in Athens?

    Our Listerhill branch in Athens, Alabama is under construction will be open and ready to serve you in spring 2022! Until then, our closest branch to the Athens, AL area is in Rogersville.