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.
We understand that not every need in life fits into a category. Listerhill has loans tailored to whatever life may throw at you.
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.
Through Anytime Credit, you can get pre-approved for a line of credit that you can access anytime you need it.
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.
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.
Our boat dock loans let you finance not only the boat dock, but we can also include accessories such as boat lifts.
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.
| 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 |
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.
| 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 |
| 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) |
* 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.
| 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 |
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.:
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.
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.
To qualify for membership with Listerhill, you must meet one of the following requirements:
You can qualify for membership by being a family member of a current or potential Listerhill member.