Blog

How Should I Finance My New Car?

While a new set of wheels can be exciting, remember that a car purchase also involves a financial commitment. It’s important to know just how much you’ll be paying and what you can do to influence those payments.

Read
Vehicle Dashboard in the Evening
Things You Need to Know Before Getting a Used Car Loan

You may be considering getting a used car loan for your next vehicle purchase, but have some questions. Consider these tips as you prepare to get a used car loan and a new-to-you car!

Read
Toy Car Stock Image
Where Can I Apply For A Car Loan Online?

When you're ready to purchase a car, one of the biggest questions that comes to mind is how you'll pay for your vehicle. Thankfully, it's easier than ever to get an auto loan as there are more companies available to get your financing through.

Read
Person Typing On Laptop
The Best Time To Buy A New Car With An Auto Loan

Purchasing a new car with an auto loan is a big decision! While you're choosing the color vehicle you want and the fancy features you desire, there are other considerations to keep in mind if you're going to make purchasing a new car the best (and most affordable) experience possible. Keep reading to learn about six of the best times to buy a new car with an auto loan.

Read
Man Holding Keys Cropped
How Do Auto Loans Work From Credit Unions?

When you get an auto loan, you have many choices regarding a lender. If you are considering a credit union to finance your new car you might be wondering, how do auto loans work from credit unions?

Read
Red Woman Signing Important Paper And Keys
Meet Savanna Peters, Our $5,000 Scholarship Winner of 2019!

This year, we gave away three scholarships to high school seniors amounting in the total of $10,000. One student was given the grand prize of $5,000 while the other two were each given $2,500. We would like to share (and brag on) this year's winners with you. Meet Savanna!

Read
Scholarship Winners 2019 Holding Cookie
Can I Refinance My Car (And Should I?)

Refinancing a car loan involves borrowing another loan to pay off your first one. When you choose to refinance your car, you go through a similar process as you did for the initial financing.

You may wonder, “can I refinance my car”, and naturally, as with any financial decision, there will be benefits and drawbacks to refinancing. We’ll go over those here.

Read
Auto Refinance Stock Pic
Meet Emily Duncan, One of Our $2,500 Scholarship Winners of 2019!

This year, we gave away three scholarships to high school seniors amounting in the total of $10,000. One student was given five thousand while the other two were each given two thousand five hundred. We would like to share (and brag on) this year's winners our winners with you. Meet Emily!

Read
Emily Duncan Holding Check Group Photo
Is it Better to Lease or Finance a Car?

When it’s time to get a new vehicle, you have to make many decisions. One of those decisions you might have to consider is if it is better to lease or finance a car. While both choices can lead to you securing the vehicle of your dreams, there are advantages and disadvantages associated with each option.

Read
Auto Stock Image
Meet Gracie Holden, One of Our $2500 Scholarship Winners of 2019!

This year, we gave away three scholarships to high school seniors amounting in the total of $10,000. One student was given the grand prize of $5,000 while the other two were each given $2,500. We would like to share (and brag on) this year's winners with you. Meet Gracie!

Read
Gracie Holden Holding Check
default icon for Solution Finder Intro
What can we help you with?
default icon for Checking For Mature Members
What are you borrowing for?
default icon for Checking For Mature Members
Vehicle Options
default icon for Checking For Mature Members
Home Options
default icon for Carrolls
What are you saving for?
default icon for Carrolls
How old are your kids?
default icon for Cord
Which of these banking options are you interested in?
default icon for Cord
How old are you (or your child)?
default icon for Cord
Are you a UNA student?
default icon for Cord
What do you want to do?
default icon for Cord
What do you want to do?
default icon for Cord
What do you want to do?
default icon for Cord
What do you want to do?
default icon for Cord
How old are you?
search popup background

What are you looking for?

Common Links

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.)