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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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Putnams Standing in Outdoor Patio Space
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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Couple Looking at Home
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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Listerhill Launches New Upgrade to Mobile Banking Application

Whether it’s work or fun, your phone plays a vital role in your everyday activities – including banking. You want to make a deposit, pay bills, transfer funds, or make a purchase? There’s no reason to look any further than your phone. Listerhill has offered mobile banking to our members for nearly a decade making upgrades along the way to ensure you have access to the most up-to-date technology, features, and experience.

With our newest mobile banking update, we’re bringing you even more services and features. Learn more about the update in this blog.

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UNA Keystone Debit Card FAQs

Listerhill Credit Union’s Keystone Debit Card is the perfect accompaniment to any UNA college student’s wallet (and not just students–alumni and community members, too!).

Continue reading to learn more about this unique university debit card that gives back, whether you’re a young adult learning to spend and save responsibly or a veteran shopper and saver.

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Keystone Card Mock 1
Why Get Pre-Approved for a Mortgage Loan?

If you’re shopping for a home, you may be wondering when you should start looking for a mortgage. Some people will advise that it’s fine to wait until after you’ve made an offer on a home to look for a mortgage. This can be true in some cases, but shopping for a mortgage and getting pre-approved before you’re bidding on a home can offer great benefits.

We’ve described some of the reasons that you may want to consider getting a pre-approval letter in this blog.

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Signing papers
7 Ways to Get the Best Mortgage Refinance Rate

With mortgage interest rates still hovering near historic lows, many homeowners are considering refinancing their mortgage to get a lower interest rate, a lower payment, or to pay their home off sooner. For many, refinancing can shave tens of thousands of dollars off the total interest paid over the life of the loan, freeing up funds for home improvement, vacations, and other splurges.

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White home cropped
How Refinancing Your Mortgage Could Save You Money

Money doesn’t grow on trees, and most people work very hard for what they have. To help save money, many people use budgets, clip coupons, only buy new when things are on sale, and shop at thrift stores and flea markets. Money saved is money earned, right?

But there’s a way to potentially save a lot of money that is often overlooked – refinancing your mortgage when interest rates go down. Depending on the amount of the mortgage and the terms, the savings could be significant. Refinancing when mortgage interest rates drop one or two points could result in thousands of dollars in savings over the life of your loan.

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Calculating refinance savings
How to Navigate the Current Auto Loan Market

If you’re in the market for a new set of wheels, get ready to experience sticker shock. Prices on new and used cars have soared since the beginning of 2020, and experts aren’t expecting them to fall anytime soon. Here’s what you need to know about the current auto loan market and how to navigate it successfully.

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Buckling seatbelt
Financial Tips for Recent Graduates

You just graduated - congratulations! By definition, graduation is a state of transition and students no longer are students in the typical sense. It’s easy to make mistakes during this transition, and they can create serious problems later in life. Here are some of the common questions students face while in this transition and how to deal with them.

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Student Graduating
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Frequently Asked Questions

  • How does a cash back credit card work?

    Our cash back credit card gives you a flat rate of 2% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.

  • How do I receive an incoming wire transfer at Listerhill?

    All incoming wires must be received using Listerhill's routing number of 262277011. The member should use the routing number along with their member number and share ID suffix or their draft number when receiving a wire.

    Wire to:

    Listerhill Credit Union

    4790 E. 2nd Street

    Muscle Shoals, AL 35661

    1-256-383-9204

    ABA No.: 262277011

    For credit to the account of:

    Member's Name:

    Member's Address:

    Member's Account No.:

  • What does it cost to send or receive a wire transfer?

    Incoming Domestic Wire Charge: $20.00

    Outgoing Domestic Wire Charge: $20.00

    Incoming Foreign Wire Charge: $35.00

    We do not process outgoing foreign international wires. We can receive them only.

  • Can I conduct a wire transfer through Listerhill?

    Listerhill is capable of receiving incoming wire transfers and sending outgoing domestic wire transfers. All Branch Managers, Loan Officers, Senior Member Advocates, Member Advocates, and Tellers can provide our members with information needed to receive incoming wire transfers.

    Branch Managers, Member Advocates, and Senior Member Advocates can assist with processing outgoing domestic wires.

    We do not process outgoing foreign international wires. We can receive them only.

  • 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, Florida, 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.