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.

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 & 4 Wheelers NADA Retail More than $10,000 as low as 4.00% 60 Months
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.24% 72 Months
New Motorcycle & 4 Wheeler as low as 3.99% 60 Months
Used Motorcycles & 4 Wheelers as low as 4.49% 60 Months
New Motor Home as low as 4.50% 84 Months
Used Motor Homes as low as 4.50% 84 Months
New 5th Wheel as low as 4.50% 84 Months
New Travel Trailers as low as 4.50% 84 Months
Used Travel Trailers & Used Fifth Wheels as low as 4.50% 72 Months
New Watercraft as low as 3.99% 72 Months
New Watercraft as low as 4.29% 84 Months
New Watercraft as low as 4.99% 120 Months
Used Watercraft as low as 3.99% 60 Months
Used Watercraft as low as 4.99% 72 Months
Used Watercraft - Previous 3 Years & up (Minimum $25,000) as low as 5.99% 120 Months
New Waverunners as low as 4.49% 60 Months
New Waverunners as low as 4.29% 72 Months
Used Waverunners 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 2.75% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 3.00% 5 years (amortized over 30 years)
Short Term Fixed as low as 2.75% 7 years
Construction Loan as low as 4.99% 12 months
Land Loan as low as 4.75% 15 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 4.25% 5 years (amortized over 30 years)
Effective 8/1/2020

* 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

  • 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.)