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Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, 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.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

LH Signature rewards 2

Credit Cards

Expand your purchasing power and earn rewards while you do it.

You save money with low rates and no annual fee on all of our credit cards, so the only decision left is whether you want to earn cash back to your account or apply cash back toward any statement credit. Plus, you can rest easy knowing you have the local service (and rate) you expect from your credit union.

Credit Cards

Card Name APR
Visa Signature Rewards as low as 12.99%
Visa Platinum as low as 12.99%
Effective 7/15/22

*Rates are subject to change without notice.

Here’s a Credit Card Comparison

Signature Rewards Credit Card

Enjoy competitive rates, no annual fee, and 2% cash back on everything you purchase while keeping the same great benefits you've come to know from all our credit cards. With all these benefits and more, Listerhill's new Signature Rewards Card is one of the best cards around.

Are you ready to secure your Listerhill Signature Rewards Card?

More About Our Signature Rewards Card

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Platinum Credit Card

With no annual fee, a competitive rate, and verified by Visa, Listerhill's Platinum Card is our best entry-level credit card yet.Expand your purchasing power while enjoying protection from identity theft and fraud. You can also rest easy knowing you have the local service (and rate) you expect from your credit union.

Are you ready to experience the benefits of Listerhill's Platinum Card?

More About Our Platinum Card

See below to learn more about the features of every card we offer.


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Features
Purchase APR
Annual Fee
Rewards
Balance Transfer Fee
Additional Perks
Listerhill Visa Platinum
Purchase APR
As low as 12.99% fixed APR
Annual Fee
Rewards
Balance Transfer Fee
Additional Perks
Free travel and rental insurance, free credit score, and no-fee cash advance
Learn More
Listerhill Visa Signature Rewards
Purchase APR
As low as 12.99% fixed APR
Annual Fee
Rewards
Unlimited 2% cash back on every purchase
Balance Transfer Fee
Additional Perks
Free travel and rental insurance, free credit score, and no-fee cash advance
Learn More

*Competitor information sourced from Capital One and Bank Independent, respectively. Information sourced on August 23, 2022.

Frequently Asked Questions About Our Credit Cards

  • Is it worth getting a cash back credit card?

    If you can find one that also offers a low-interest rate, it’s worth getting a Visa cash back credit card. When you use a cash rewards credit card, you get rewarded for making everyday purchases. As long as you practice good spending habits, you’ll enjoy the benefits.

  • How does a cash back credit card work?

    Our Signature Rewards cash back credit card gives you a flat rate of 2% cash 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 soon can I redeem my Cash Rewards?

    You can begin redeeming your Cash Rewards as soon as you have a balance over $5 available in your Rewards account! You have the option to apply the balance as a statement credit or have the amount deposited into your Listerhill Share Savings Account.

  • What interest rate will I get?

    Your interest rate will be determined after you submit your application. Many factors, including your credit score, help to assess your interest rate.

  • What if my card doesn’t have the contactless functionality yet but I want to tap to pay?

    Even if your card isn’t contactless, load your card into your payment enabled phone to tap and pay today!

  • How do I know if my card is contactless?

    If your Visa card features the Contactless Indicator, you can use it to tap to pay where you see the Contactless Symbol.

Card Security
Lost or stolen card?

Keeping you and your card safe from identity theft is our top priority. There are also steps you can take to help keep your card safe as well — even after it's gone missing. To report a lost or stolen debit or credit card, please call 1-888-918-7819. This number is available 24 hours a day.

Additional Questions?

Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

How to Lower Your Credit Card Interest Rate

Credit cards provide instant access to borrowing that can make it easier to manage your monthly expenses and afford larger purchases.

Read
How Long Does a Balance Transfer Take?

Transferring your credit card balance from one card to another can allow you to save on interest and reduce stress with fewer monthly payments.

Read
Should I Use My Credit Card for Everything?

Read
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Common Links

Frequently Asked Questions

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.

  • What if I prefer to make my payments through the "Pay Your Loan" link on the Listerhill website?

    Unfortunately, after the transfer you will not be able to use this link to pay your mortgage. However, you can visit here to view all mortgage information and payment options.

  • What if I prefer to make my payments over the phone?

    You can reach TruHome's payment center by calling 844-203-3642.

  • What if I prefer to make my payments by mail or through Bill Pay at another financial institution?

    As a national servicing company, TruHome will probably be in your other financial institution's list of payees who accept electronic payments. If not, you can set up the account using the address below:

    TruHome Solutions, LLC

    P.O. Box 219958

    Kansas City, MO 64121-9958