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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.

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Listerhill Credit Union (en-US)

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Compare Credit Cards

Expand your purchasing power and enjoy freedom from annual fees.

Discover a credit card where your spending rewards you! Enjoy competitive rates, no annual fees, and the potential to earn 2% cash back on every purchase.

Shop with confidence knowing your information is secure. Zero liability fraud protection and advanced security features will give you peace of mind.

Explore the card options below to find the right one for your lifestyle.

Apply Now

Visa Signature Rewards Credit Card

Take advantage of a fixed rate, no annual fee, and 2% cash back on everything you buy. Maximize your earning potential with no spending caps.

You can choose to get cash back deposited to your share account, or you can apply cash back toward a statement credit.

It does not count toward your minimum payment, you have to make your minimum payment, but you can apply it to your balance.

Apply Now More About Our Visa Signature Rewards Card

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Visa Platinum Credit Card

Our Visa Platinum Credit Card is a great entry-level option for building a solid credit history. Enjoy a competitive rate, no annual fee, and Visa's trusted security.

Explore the many features and see why this is the ideal starter card for your wallet!

Apply Now More About Our Visa Platinum Card

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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
Capital One® Quicksilver Cash Rewards
Purchase APR
19.99% variable APR
Annual Fee
$0
Rewards
Unlimited 1.5% cash back on purchases
Balance Transfer Fee
Balance transfer fee of 3% of each transfer amount that posts to an account at a promotional APR (No transfer fee for balances transferred at Transfer APR)
Additional Perks
Free credit score and $0 fraud liability coverage
Bank Independent World Mastercard
Purchase APR
18.24% variable APR
Annual Fee
$95
Rewards
Unlimited 3% cash back on every purchase
Balance Transfer Fee
Balance transfer fee of $10 or 3% of each transfer, whichever is greater
Additional Perks
Earn a $500 cash back bonus if you spend $5000 in the first 90 days

Frequently Asked Questions About Our Credit Cards

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

Additional Credit Card Resources
Card Help
Redeem Your Credit Card Rewards

Learn more about your credit card benefits and the reward redemption process.
Calculator
Credit Card Payoff Calculator

Calculate what your credit card payments need to be based on your payoff goal in months.
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LCU Cards Mobile App

Our new LCU Cards mobile app was designed to give you more control of your debit and credit cards for easier financial management. It gives you the freedom to lock your cards to prevent unauthorized use, set spending alerts, and set travel notifications so your card works wherever you are. You can download the LCU Cards App from the Apple App Store or Google Play today and take control of your cards!
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.

More Posts
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

2Visa Signature Rewards Credit Card rates and terms are subject to change without notice. Subject to underwriting and credit approval. Actual rate and credit limit will vary according to creditworthiness. Signature Cards require a $5,000 or greater credit limit. 2% cash back does not apply to balance transfers or cash advances. Other restrictions may apply. APR = Annual Percentage Rate.

Visa Platinum Credit Card rates and terms are subject to change without notice. Subject to underwriting and credit approval. Actual rate and credit limit will vary according to creditworthiness. Other restrictions may apply. APR = Annual Percentage Rate.

Competitor information sourced from Capital One and Bank Independent, respectively. Information last sourced on 07/30/2024.

© 2024 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • How can I avoid overdraft fees?

    All Listerhill checking accounts are eligible for 3 Overdraft or NSF Fee refunds per year. To request a refund, visit a Listerhill branch or call 1-800-239-6033.

    Additionally, we provide our members with overdraf services like:

    • Standard Overdraft Coverage

    • Debit Card Overdraft Coverage

    • Overdraft Protection

  • How can I start using mobile banking?

    To Get Started with our Mobile Banking app:

  • Do I have to pay any monthly service fees for having a checking account at Listerhill?

    Our Everyday Checking account comes with no minimum balances and no monthly service fees, so if you choose this account, you won’t have to pay any monthly fees, no matter what your daily balances are.

    If you’re interested in Growth Checking, you’ll have to pay a $10 monthly fee is your average balance is below $1,000. You can easily waive the account fee by keeping $1,000 or more in your account. That way, you can earn interest on your deposits without paying any monthly maintenance fees. It’s a win-win!

  • Why should I open a Growth Checking account?

    Growth Checking is the perfect account for those who want to see their money grow faster. This account offers high returns on your deposits for a small monthly service fee. You can waive the monthly fee by keeping $1,000 or more in your account. What’s even better is that the more you keep in your account, the higher the interest rate you’ll earn, so it makes sense to keep higher balances in your Growth Checking!

    If you want to put your money to work for you, open a Growth Checking account. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!

  • What is everyday checking?

    Everyday Checking is our free checking account. This account is convenient and simple with benefits like no minimum balances and no monthly service charges.

    If you're seeking a hassle-free checking experience coupled with top-rated online and mobile banking services, as well as options for overdraft protection and customizable account alerts, Everyday Checking is the ideal choice for you.

    Plus, our online application makes getting your new checking account easier than ever. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!

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