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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.

Mortgages

Buying a home is big, and so are the stakes. Finance it with the credit union you trust.

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.

Talk to a Mortgage Expert 

Home Loans

Effective 3/7/2025
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 5.74% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage 6.00% 5 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage - 100% of Purchase Price 7.25% 5 years (amortized over 30 years)
Short Term Fixed 7.00% 10 years
Construction Loan 8.49% 12 months
Land Loan 7.50% 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 (%) 5.74%
Term (Months/Years) 3 years (amortized over 30 years)
Loans 5/5 Adjustable Rate Mortgage
APR as low as (%) 6.00%
Term (Months/Years) 5 years (amortized over 30 years)
Loans 5/5 Adjustable Rate Mortgage - 100% of Purchase Price
APR as low as (%) 7.25%
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 (%) 8.49%
Term (Months/Years) 12 months
Loans Land Loan
APR as low as (%) 7.50%
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 Mortgage Servicing

TruHome Solutions is a credit union service organization that specializes in offering personalized member mortgage servicing.

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Apply Today to Lock In Your Rate

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!

Product Features
Up To 100% Financing

Get up to 100% financing on select mortgage products.

Pay Back on Your Terms (General Loans)

Consult with one of our friendly loan officers about a payback term that fits your goals.

Convenient Payment Options (General Loans)

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Adjustable or Fixed Rates

Get into a home with a low adjustable rate or at a fixed rate set by the market.

Construction Loan

Build the home (or addition) of your dreams.

Government Subsidized Loans

Don't have the cash to put down? Qualify for a low (sometimes no) down payment with FHA, USDA, or VA mortgage loans.

Electronic Mortgage Application Process

Buy your home without ever entering a branch.

Save Money Where it Matters

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.

No Charge for Mortgage Insurance

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. 

Waived Maintenance Fee

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.

Do The Math
Should I purchase a home?

Empower yourself to make smart financial decisions. Use our calculators to figure out if purchasing a home is a good option for you.

Have you considered?
Discounted Home Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

Frequently asked questions about credit union mortgage loans

  • Is a credit union better for mortgages?

    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.

  • Does it matter who your mortgage is with?

    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.

  • Is it better to refinance with a credit union?

    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.

Additional Questions?

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.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

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Frequently Asked Questions

  • What happens when federally insured credit unions merge?

    If a member has accounts in credit union A and credit union B, and credit union A merges into credit union B, accounts of credit union A continue to be insured separately from the share deposits of credit union B for six months after the date of the merger or, in the case of a share certificate, the earliest maturity date after the six-month period. In the case of a share certificate that matures within the six-month grace period that is renewed at the same dollar amount, either with or without accrued dividends having been added to the principal amount, and for the same term as the original share certificate, the separate insurance applies to the renewed share certificate until the first maturity date after the six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.

  • What happens if a federally insured credit union is liquidated?

    The NCUA would either transfer the insured member's account to another federally insured credit union or give the federally insured member a check equal to their insured account balance. This includes the principal and posted dividends through the date of the credit union's liquidation, up to the insurance limit.

  • If a credit union is liquidated, what is the timeframe for payout of the funds that are insured if the credit union cannot be acquired by another credit union?

    Federal law requires the NCUA to make payments of insured accounts "as soon as possible" upon the failure of a federally insured credit union. While every credit union failure is unique, there are standard policies and procedures that the NCUA follows in making share insurance payments. Historically, insured funds are available to members within just a few days after the closure of an insured credit union.

  • What happens to members with uninsured shares?

    Members who have uninsured shares may recover a portion of their uninsured shares, but there is no guarantee that they will recover any more than the insured amount. The amount of uninsured shares they may receive, if any, is based on the recovery of the failed credit union's assets. Depending on the quality and value of these assets, it may take several years to conclude recovery on all the assets. As recoveries are made, uninsured account holders may receive periodic payments on their uninsured shares claim.

  • What happens to my direct deposits if a federally insured credit union is liquidated?

    If a liquidated credit union is acquired by another federally insured credit union, all direct deposits, including Social Security checks or paychecks delivered electronically, will be automatically deposited into your account at the assuming credit union. If the NCUA cannot find an acquirer for the liquidated credit union, the NCUA will advise members to make new arrangements.