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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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Loan Options & Rates

Our competitive rates and wide range of loan options and lines of credit are designed to help 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. This makes Listerhill loan rates one of the most competitive in the country. If you are not already a member, join us today and start taking advantage of our great rates.

Listerhill Credit Union Loan Rates & Financing Options

Auto Loans

We have competitive auto loan rates and flexible terms to make sure you find the auto loan that fits your needs and budget.

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Recreational Loans

Dreaming of owning an RV, ATV, motorcycle, or boat? Our low recreational vehicle loan rates can help turn your dream into reality.

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Home Loans

A Listerhill Mortage opens the door to competitive rates and a dedicated team ready to assist you through the entire process, whether it's your first time or not.

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Other Loans

We offer a wide range of loans to meet all your financing needs, including personal loans, lawnmower and utility trailer loans, and other farm equipment loans.

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Auto Loan Rates

Listerhill auto loan rates are among the best in the country. Explore the different rates and loan options below to find the perfect fit for you. For more details, visit our auto loans page or contact us directly.

Auto Loans
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.24% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.49% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.79% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 8.54% 84 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 9.29% 96 months
Previous 3 Years and up - More Than 30,000 miles 7.49% 66 months
Previous 3 Years and up - More Than 30,000 miles 7.79% 72 months
Used Auto (4-6 years old) 7.99% 72 months
Used Auto (7-24 Years) 9.24% 72 months
Antique Automobiles (25 yrs old) 9.24% 72 months
Rebuilt Automobiles 9.25% Terms based on year
Effective 12/1/2025

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

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Recreational Loan Rates

Our recreational loans are designed to help you enjoy the outdoors your way. Explore our wide range of recreational vehicle financing options and competitive rates below.

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Recreational Loans
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 9.49% 84 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.49% 72 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.24% 60 Months
New Motorcycle or ATV/UTV as low as 8.99% 72 Months
New Motorcycle or ATV/UTV as low as 8.24% 60 Months
Used Motorcycles or ATV/UTV as low as 8.74% 60 Months
New Motor Homes as low as 9.24% 180 Months
New Motor Homes as low as 8.74% 120 Months
New Motor Homes as low as 8.25% 84 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.74% 180 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.24% 120 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 8.25% 84 Months
Used Travel Trailer or 5th Wheel as low as 9.74% 180 Months
Used Travel Trailer or 5th Wheel as low as 9.24% 120 Months
Used Travel Trailer or 5th Wheel as low as 8.74% 84 Months
Used Travel Trailer or 5th Wheel as low as 8.25% 72 Months
New Boat as low as 9.49% 180 Months
New Boat as low as 9.24% 144 Months
New Boat as low as 8.99% 120 Months
New Boat as low as 8.04% 84 Months
New Boat as low as 7.74% 72 Months
Used Boat as low as 10.49% 180 Months
Used Boat as low as 10.24% 144 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 9.99% 120 Months
Used Boat as low as 8.74% 72 Months
Used Boat as low as 7.74% 60 Months
New Waverunner or Personal Watercraft as low as 8.54% 84 Months
New Waverunner or Personal Watercraft as low as 8.24% 72 Months
Used Waverunner as low as 9.50% 72 Months
Effective 12/1/2025

All rates and terms are subject to change without notice. Additional terms may be available. See a member advocate for more details.

Home Loan Rates

The diverse range of Listerhill mortgages ensures there's an option that fits your needs. From fixed or adjustable-rate mortgages to construction or land loans and everything in between, we have you covered. See the table below for low rates and flexible loan options. Visit our home loans page for more information.

Home Loans
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
20 Year Fixed Rate Call 1-800-239-6033 for the latest rate 20 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%, variable 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage as low as 8.49% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 9.00% 5 years (amortized over 30 years)
Short Term Fixed as low as 7.50% 10 years
Construction Loan as low as 9.24% 12 months
Land Loan as low as 8.00% 20 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 10.25% 5 years (amortized over 30 years)
Effective 12/1/2025

* 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

Don't let your budget hold you back. Finance your next adventure, car repair, lawnmower, or farm equipment with our personal loans, lawnmower and utility trailer loans, and farm equipment loans.

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Other Loans
Unsecured Personal as low as 11.24% 72 months
Lawnmowers and Utility Trailers as low as 8.49% 72 months
Farm Equipment as low as 8.49% 84 months
Effective 12/1/2025
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© 2025 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • Is my membership donation tax-deductible?

    You do not pay any additional fee or donation when you join Listerhill through KFKA. Listerhill makes the $5 donation to the Listerhill Foundation. Because you are not the one making that donation directly, it is not a tax-deductible contribution for you.

    For personal giving to the Listerhill Foundation, please consult your tax advisor about your specific situation.

  • Can I still support Kicks for Kids if I'm already a member?

    Yes! You can still support the Listerhill Foundation and Kicks for Kids as a member through donations, fundraising events, and volunteer opportunities.

  • Do I live in the right area to join Listerhill?

    If you're within Listerhill's existing service areas, you may qualify based on where you live and your nearest Listerhill Credit Union branch. If you're outside our service areas, you can still become a member. by joining through the Kicks for Kids Association (KFKA) during the application process.

  • Does it cost extra to join Listerhill through the Kicks for Kids Association?

    No. There is no extra cost to you to join Listerhill through the Kicks for Kids Association (KFKA). For every new member who joins via KFKA, Listerhill Credit Union donates $5 to the Listerhill Foundation to support Kicks for Kids.

  • What is an associational membership?

    An associational membership is a way to qualify for credit union membership by belonging to an approved association or organization. In this case, joining the Kicks for Kids Association (KFKA) is what makes you eligible to join Listerhill Credit Union, even if you don't otherwise qualify by where you live, work, worship, or attend school.

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