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Vehicle

Loans

We have a range of loan options and lines of credit that can meet your needs and budget.

By being member-owned, we are able to return our earnings to you in the form of higher rates on shares and lower rates on loans. If you are not already a member, join us today and start taking advantage of our great rates.

Vehicle
Auto Loans

Shopping for a new car poses so many questions. New or used? Automatic or Standard? Cloth or Leather? Selecting the right loan shouldn't be so hard. Listerhill makes it easy.

Personal
Personal Loans

We understand that not every need in life fits into a category. Listerhill has loans tailored to whatever life may throw at you.

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Mortgages

Buying a home is the biggest financial commitment most members ever make. Listerhill can help make it the most rewarding, by helping you select the best rates and terms to meet your need.

Anytime Credit
Anytime Credit

Through Anytime Credit, you can get pre-approved for a line of credit that you can access anytime you need it.

Deposit Secured Loans
Deposit Secured Loans

Keep your savings intact and buy what you need at our lowest rate with a Deposit Secured Loan. It's a safer way to get a loan while continuing to earn interest on your deposits. We call it a win-win.

Boat
Recreational Loans

Have fun with your very own RV, motorcycle, ATV, trailer, or boat. Listerhill finances a variety of recreational vehicles with low rates and flexible terms.

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Boat Dock Loans

Our boat dock loans let you finance not only the boat dock, but we can also include accessories such as boat lifts.

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Home Equity Loan & Line of Credit

With a Home Equity Loan or Line of Credit, you can renovate your home or build a family pool — whatever your goals may be. Use the credit in your home to borrow the amount you need at a low interest rate and start making memories today.

Auto Loans

Loans APR as low as Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles 2.99% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 2.99% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.29% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 4.04% 84 months
Previous 3 Years and up - More Than 30,000 miles 2.99% 66 months
Previous 3 Years and up - More Than 30,000 miles 3.29% 72 months
Used Auto (4-6 years old) 3.49% 66 months
Used Auto (7-24 Years) 4.74% 54 months
Antique Automobiles (25 yrs old) 5.25% 48 months
Rebuilt Automobiles 5.25% Terms based on year
Effective 9/21/2020

All rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply; All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. APR = Annual Percentage Rate.

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Recreational Loans

Loans APR Maximum
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 4.00% 60 - 72 Months
New Motorcycle or ATV/UTV as low as 3.99% 60 Months
Used Motorcycles or ATV/UTV as low as 4.49% 60 Months
New/Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 4.50% 84 Months
Used Travel Trailer or 5th Wheel as low as 4.50% 72 Months
New Boat as low as 3.99% 72-120 Months
Used Boat as low as 3.99% 60-72 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 5.99% 120 Months
New Waverunner or Personal Watercraft as low as 4.29% 60-72 Months
Used Waverunner as low as 5.75% 60 Months
Effective 9/21/2020

Home Loans

Loans APR Maximum Term
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
15 Year Fixed Rate Call 1-800-239-6033 for the latest rate 15 years
Home Equity Line of Credit as low as 4.00% 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage as low as 3.25% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 3.50% 5 years (amortized over 30 years)
Short Term Fixed as low as 3.50% 7 years
Construction Loan as low as 5.99% 12 months
Land Loan as low as 5.00% 15 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 4.75% 5 years (amortized over 30 years)
Effective 5/2/2022

* All rates and terms are subject to change without notice.

All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender. The annual percentage rates (APR) on adjustable-rate home loans may vary and are subject to change after consummation. Please call a loan officer for down payment information.

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Other Loans

Loans APR Maximum Term
Unsecured Personal as low as 7.99% 60 months
Lawnmowers and Utility Trailers as low as 4.74% 60 months
Farm Equipment as low as 4.74% 72 months
Effective 9/21/2020
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Frequently Asked Questions

  • 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.
  • 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.