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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.

HOLIDAY

All branches will be self-service only Monday, October 9th, for Columbus Day. Normal business hours will resume Tuesday, October 10th. Smart ATMs and Online and Mobile Banking will remain available.

Signing Loan

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 6.99% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.24% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.54% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 8.29% 84 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 9.04% 96 months
Previous 3 Years and up - More Than 30,000 miles 7.24% 66 months
Previous 3 Years and up - More Than 30,000 miles 7.54% 72 months
Used Auto (4-6 years old) 7.74% 72 months
Used Auto (7-24 Years) 8.99% 54 months
Antique Automobiles (25 yrs old) 9.00% 48 months
Rebuilt Automobiles 9.00% Terms based on year
Effective 9/4/23

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 7.99% 84 Months
New Motorcycle or ATV/UTV as low as 7.99% 72 Months
Used Motorcycles or ATV/UTV as low as 8.49% 60 Months
New/Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 8.00% 180 Months
Used Travel Trailer or 5th Wheel as low as 8.00% 180 Months
New Boat as low as 7.49% 180 Months
Used Boat as low as 7.49% 180 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 9.74% 120 Months
New Waverunner or Personal Watercraft as low as 7.99% 84 Months
Used Waverunner as low as 9.25% 72 Months
Effective 9/4/23

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%, 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 9/1/23

* 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 11.74% 72 months
Lawnmowers and Utility Trailers as low as 8.24% 72 months
Farm Equipment as low as 8.24% 84 months
Effective 9/4/23
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Frequently Asked Questions

  • What is the Listerhill Credit Union service area?

    We offer membership to people who live, work, worship, or attend school in northwest Alabama and south-central Tennessee. Community donations are available to nonprofits based within these areas.

  • What kinds of causes do you tend to support?

    We aim to support a wide range of non-profit organizations that are contributing to community development and enrichment in our focus areas. Your nonprofit may be eligible to receive a donation for things like improving schools, boosting economic development, helping underserved communities with food or clothing, or even providing affordable housing.

  • When should I submit my request for community donations?

    Requests must be submitted at least two weeks in advance of the time when you need the funds or prior to the event you are fundraising for.

    This is because our socially responsible investment strategy requires that we have time to go over each request and make sure we are using the credit union's community donations in the most impactful way.

  • I'm having technical difficulties. Who should I contact?

    Please contact us at listerhill.com/support, using our chat bubble in the bottom right corner or by calling us at 256-383-9204 for assistance.

  • Can I use ClickSWITCH to switch my bill payments?

    Since bill payments are not automatically recurring, you're not able to use ClickSWITCH for them.