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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.

Mortgage Boy 2
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.

Brad and Melanie Ford Walking on Boat Dock
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.

Biker horiz
Motorcycle Loans

Have fun with your very own motorcycle. Listerhill finances a variety of recreational vehicles with low rates and flexible terms.

Auto Loans

Loans APR as low as Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles 5.99% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 6.24% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 6.54% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.29% 84 months
Previous 3 Years and up - More Than 30,000 miles 6.24% 66 months
Previous 3 Years and up - More Than 30,000 miles 6.54% 72 months
Used Auto (4-6 years old) 6.74% 66 months
Used Auto (7-24 Years) 7.99% 54 months
Antique Automobiles (25 yrs old) 8.00% 48 months
Rebuilt Automobiles 8.00% Terms based on year
Effective 11/18/22

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 7.00% 60 Months
New Motorcycle or ATV/UTV as low as 6.99% 60 Months
Used Motorcycles or ATV/UTV as low as 7.49% 60 Months
New/Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 7.00% 84 Months
Used Travel Trailer or 5th Wheel as low as 7.00% 72 Months
New Boat as low as 6.49% 72 Months
Used Boat as low as 6.49% 60 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 8.74% 120 Months
New Waverunner or Personal Watercraft as low as 6.99% 60 Months
Used Waverunner as low as 8.25% 60 Months
Effective 11/18/22

Additional terms may be available. See a member advocate for more details.

Home Loans

Loans APR Maximum Term
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% 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage as low as 5.49% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 6.0% 5 years (amortized over 30 years)
Short Term Fixed as low as 6.0% 10 years
Construction Loan as low as 6.74% 12 months
Land Loan as low as 6.00% 15 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 7.25% 5 years (amortized over 30 years)
Effective 1/10/23

* 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 10.74% 72 months
Lawnmowers and Utility Trailers as low as 7.24% 60 months
Farm Equipment as low as 7.24% 72 months
Effective 11/18/22
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Vehicle Options
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Home Options
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Common Links

Frequently Asked Questions

  • How do I connect my additional Listerhill account(s) in Online Banking?

    In order to add an additional Listerhill account in Online Banking, please:

    1. Log in to Online Banking through our website.
    2. Click the Accounts tab at the top.
    3. Click “Connect An Account”
    4. To add a Listerhill Account, click “Listerhill Credit Union Account”.
    5. Enter the appropriate information on this screen and select the appropriate account type.
      1. Account Number.
      2. Nickname the Account.
      3. Select the Account Type.
        1. Share Draft – Checking
        2. Share – Savings
        3. Share Certificate – CD
        4. IRA
        5. Line of Credit
        6. Loan
        7. Credit Card
      4. Check the box for Bill Pay if desired.

    Once finished, the new account will be added by the next business day.

  • How do I connect my credit card(s) in Online Banking?

    In order to add a new credit card in Online Banking, please:

    1. Log in to Online Banking through our website.
    2. Click the Accounts tab at the top.
    3. Click “Connect An Account”
    4. To add a credit card, click “Listerhill Credit Union Account”.
    5. Enter the appropriate information on the screen and select the appropriate account type.
      1. Account Number.
      2. Nickname the Account.
      3. Select the Account Type.
        1. Share Draft – Checking
        2. Share – Savings
        3. Share Certificate – CD
        4. IRA
        5. Line of Credit
        6. Loan
        7. Credit Card
      4. Check the Box for Bill Pay if desired.

    Once finished, the new card will be added by the next business day.

  • What if I had merchandise points?

    Cashbackmall will be available for redemption on 9/1/22 for cards converting to cash back rewards from merchandise points.

  • Who is eligible for Cash Back Rewards?

    Cash Back Rewards are available for Listerhill Signature Credit Cards. Signature credit cards require a limit of $5,000 or greater.

  • How much do I get back in Cash Rewards?

    Cash Back Rewards are calculated at 2% on purchases. Cash Advances and Balance Transfers do not earn Cash Back Rewards.