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What's the Best Way to Finance a Home Renovation?

You may be doing some home renovations this summer and aren't sure how to finance this expense. There are so many loan options, but which one makes the most sense? Whether you’re gutting your entire kitchen or turning your basement into a home theater, we’ve got you covered! As a Listerhill member, you have several choices when it comes to funding a home renovation. And we want to help you find the right one for your specific needs.

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Painting
What Is A Mortgage? Understanding the Basics

If you’re considering taking out a mortgage, the process can seem daunting. There are different types of mortgages, and deciding which one is best for your situation can be difficult. Have no fear, though. We’re here to help. We’ll walk you through the basics and what you need to know to get your first mortgage.

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Unpacking Boxes And Hugging
A Guide to Home Equity Loans and Home Equity Lines of Credit

Are you thinking about obtaining either a home equity loan or a home equity line of credit (HELOC) to purchase something you need or want? If so, you may be wondering which loan you should go with. Is one better than the other?

Both types of loans can be used for many purposes.

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Homes On The Block
7 Ways You Can Use A Personal Loan this Summer

Summer can be the beginning of a season of a major life change; like household moves and weddings; purchasing that boat you’ve been eyeing and of course a vacation.

Before you start swiping the plastic for everything, Listerhill recommends considering a personal loan to stay within your budget. We have outlined seven ways to responsibly use a personal loan this summer.

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at the beach
How to Save for an Emergency

The last year has been tough on everyone. Many have been forced to use savings to make ends meet. If you've used up your emergency funds to survive prolonged unemployment, an unexpected large expense or a medical emergency, or you're just starting to build savings from scratch, we have some tips for you.

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Emergency Fund
Paying Off Student Loan Debt

As a recent college grad, you are excited to start a new chapter of life and jump into the future. You have worked for four years to finally get your degree. By the time you start your new job, there will be a debt owed for thousands of dollars.

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graduation 1
A Full Guide to Saving for Retirement with an IRA

The average American between the ages of 35 and 44 has just over $22,000 saved for retirement. For people who are entering their prime earning years, this is far too low. If you want to retire at age 65 and live on $50,000 a year, you’ll need about 15 times that much, assuming you live to the average age of 72. For most Americans, retirement seems like an always-distant horizon. They can always see it, but they never quite have enough money to reach it. As a result, they end up working long into their 70s.

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Retirement
Annual Meeting 2021

When you opened your first account with Listerhill Credit Union, you deposited a small amount into your savings for which has stayed locked into that account ever since. This deposit represents a share of ownership, giving you rights and privileges as an owner of the credit union. One of those rights is a vote to elect the Board of Directors, your representatives, at the Annual Meeting.

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Listerhill Annual Meet 20200101
All You Need to Know About the New Stimulus Bill

Congress recently passed legislation for a $1.9 trillion COVID-relief bill. We have compiled a list including all the details of the latest CARES Act that you need to know.

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government building
4 Ways To Budget For Your Wedding

It is no secret that weddings can cost quite a bit, especially for twenty- and thirty-somethings who might still be carrying college debt and are probably at the starting end of their earning potential. It should come as no surprise, then, that more than half of newly married couples are still paying off debt from their special day years after the honeymoon is over. This doesn’t mean you need to give up your dream wedding! By planning ahead, choosing wisely and prioritizing what’s truly important, you can say, “I Do,” without stressing over wedding costs.

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Wedding Shoes
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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.