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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.
If you're in the market to buy a home, you're probably excited, but also a bit nervous. We want to help by getting to know you better and understanding your goals. We can help you select the best rates and terms to meet your needs so you can start making a house your home.
Already have a mortgage with us? Visit the Mortgage Portal to make a payment, view your balance, view statements and more.
Purchasing a home is a big decision, whether you are a first time homebuyer or upgrading your home. If you want a monthly payment that’s consistent for as long as you have your home, a fixed-rate home loan from Listerhill is the way to go.
An adjustable-rate mortgage lets you secure a low initial payment and take advantage of every opportunity to reduce your rate over the length of your mortgage. We can help you get the best rates and terms that you need to purchase the home you want at an affordable rate.
Use a short-term construction loan to build your dream home or add the additions you’ve always wanted. Then switch to a long term mortgage with affordable monthly payments.
| Loans | APR as low as (%) | Term (Months/Years) |
|---|---|---|
| 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 | 4.00%, variable | 10 year draw, 20 year payback |
| 3/3 Adjustable Rate Mortgage | 6.24% | 3 years (amortized over 30 years) |
| 5/5 Adjustable Rate Mortgage | 6.50% | 5 years (amortized over 30 years) |
| 5/5 Adjustable Rate Mortgage - 100% of Purchase Price | 7.75% | 5 years (amortized over 30 years) |
| Short Term Fixed | 7.00% | 10 years |
| Construction Loan | 8.99% | 12 months |
| Land Loan | 8.00% | 20 years |
| Loans | 30 Year Fixed Rate |
| APR as low as (%) | Call 1-800-239-6033 for the latest rate |
| Term (Months/Years) | 30 years |
| Loans | 20 Year Fixed Rate |
| APR as low as (%) | Call 1-800-239-6033 for the latest rate |
| Term (Months/Years) | 20 years |
| Loans | 15 Year Fixed Rate |
| APR as low as (%) | Call 1-800-239-6033 for the latest rate |
| Term (Months/Years) | 15 years |
| Loans | Home Equity Line of Credit |
| APR as low as (%) | 4.00%, variable |
| Term (Months/Years) | 10 year draw, 20 year payback |
| Loans | 3/3 Adjustable Rate Mortgage |
| APR as low as (%) | 6.24% |
| Term (Months/Years) | 3 years (amortized over 30 years) |
| Loans | 5/5 Adjustable Rate Mortgage |
| APR as low as (%) | 6.50% |
| Term (Months/Years) | 5 years (amortized over 30 years) |
| Loans | 5/5 Adjustable Rate Mortgage - 100% of Purchase Price |
| APR as low as (%) | 7.75% |
| Term (Months/Years) | 5 years (amortized over 30 years) |
| Loans | Short Term Fixed |
| APR as low as (%) | 7.00% |
| Term (Months/Years) | 10 years |
| Loans | Construction Loan |
| APR as low as (%) | 8.99% |
| Term (Months/Years) | 12 months |
| Loans | Land Loan |
| APR as low as (%) | 8.00% |
| Term (Months/Years) | 20 years |
All Mortgage and Home Loans are subject to credit approval. Actual rate will be determined by the credit worthiness of the borrower. Rates are subject to change without notice. The APR on adjustable-rate home loans may vary and are subject to change after consummation. Other restrictions may apply. Equal Housing Lender. Please call a loan officer for down payment information. APR = Annual Percentage Rate.
TruHome Solutions is a credit union service organization that specializes in offering personalized member mortgage servicing.
Home loan rates are constantly changing. Some days that change is minimal and other days the change is dramatic. Making such a large purchase can make it tempting to wait for a better rate but because rates go up and down, it’s often better to lock in your rate. You’ll know what your rate is and what you can or can’t afford as you shop around. Plus, if a better rate comes along, you can still use our float-down option to take advantage of the rate drop. Apply today, find your rate, and lock it in!
Get up to 100% financing on select mortgage products.
Consult with one of our friendly loan officers about a payback term that fits your goals.
Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.
Get into a home with a low adjustable rate or at a fixed rate set by the market.
Build the home (or addition) of your dreams.
Don't have the cash to put down? Qualify for a low (sometimes no) down payment with FHA, USDA, or VA mortgage loans.
Buy your home without ever entering a branch.
We charge no Mortgage Tax for Alabama real estate, no admin fees ever for our In House Loans, and have discounted origination fees on purchases.
When you get an In House Loan with Listerhill, pay no monthly charge for Mortgage Insurance so you can dedicate your full monthly payment to your actual loan.
Enjoy the perk of no Maintenance Fee with your Listerhill membership while your Listerhill loan is open or has been open within the last 12 months.
NMLS# 449408
4790 E 2nd St, Muscle Shoals, AL 35661
256.383.9204, ext. 1222
saldridge@listerhill.com
NMLS# 207237
1623 Hatcher Lane, Columbia, TN 38401
256.383.9204, ext. 3813
cneill@listerhill.com
NMLS# 198718
17051 US-72, Rogersville, AL, 35652
256.383.9204, ext. 1386
vwilson@listerhill.com
NMLS# 1962170
300 US-72, Killen, AL 35645
256.383.9204, ext. 3940
bcunningham@listerhill.com
NMLS# 655785
22223 US HWY 72 Athens, AL 35613
256.383.9204, ext. 1397
klewis@listerhill.com
NMLS# 1701666
13400 Highway 43, Russellville, AL 35653
256-324-0122
kcummings@listerhill.com
Empower yourself to make smart financial decisions. Use our calculators to figure out if purchasing a home is a good option for you.
We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.
Securing a mortgage through a credit union is preferable for many seeking to purchase a new home or refinance. Credit unions often offer more competitive mortgage rates in Alabama and are more flexible with their terms and conditions.
Yes because choosing the right lender for your home loan or refinance can lead to a better transaction overall. This is especially important if you are a first time homebuyer or attempting to qualify under special circumstances.
In many situations, yes. Refinancing with a credit union can allow you to secure lower interest rates, flexible qualifications, and credit counseling to support you in being financially prepared to qualify and successfully maintain your mortgage.
Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.
Answer a few questions and we will find a solution that works for you. It only takes a few seconds.
All Listerhill checking accounts are eligible for 3 Overdraft or NSF Fee refunds per year. To request a refund, visit a Listerhill branch or call 1-800-239-6033.
Additionally, we provide our members with overdraf services like:
Standard Overdraft Coverage
Debit Card Overdraft Coverage
Overdraft Protection
To Get Started with our Mobile Banking app:
Download the app to your device from the Apple App Store or Google Play.
Sign in using your Online Banking credentials.
Our Everyday Checking account comes with no minimum balances and no monthly service fees, so if you choose this account, you won’t have to pay any monthly fees, no matter what your daily balances are.
If you’re interested in Growth Checking, you’ll have to pay a $10 monthly fee is your average balance is below $1,000. You can easily waive the account fee by keeping $1,000 or more in your account. That way, you can earn interest on your deposits without paying any monthly maintenance fees. It’s a win-win!
Growth Checking is the perfect account for those who want to see their money grow faster. This account offers high returns on your deposits for a small monthly service fee. You can waive the monthly fee by keeping $1,000 or more in your account. What’s even better is that the more you keep in your account, the higher the interest rate you’ll earn, so it makes sense to keep higher balances in your Growth Checking!
If you want to put your money to work for you, open a Growth Checking account. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!
Everyday Checking is our free checking account. This account is convenient and simple with benefits like no minimum balances and no monthly service charges.
If you're seeking a hassle-free checking experience coupled with top-rated online and mobile banking services, as well as options for overdraft protection and customizable account alerts, Everyday Checking is the ideal choice for you.
Plus, our online application makes getting your new checking account easier than ever. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!