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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.
At Listerhill Credit Union, you can obtain a low-interest land loan to cover the costs of purchasing a plot of land for your home or business needs.
Loans | APR | Maximum Term |
---|---|---|
Land Loan | as low as 8.00% | 20 years |
* 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.
When qualifying for a land loan, we will take a look at your financial background to determine whether you have the profile to support qualifying for a loan.
A down payment: Listerhill requires a 15% down payment for land loans.
Home details: Your lender will also want to view the details around your land and the land plan, confirming that it meets all zoning and land-use restrictions.
Debt to income ratio: We will review your debt to income ratio (DTI) to ensure you don’t have more debt than your income can manage. A recommended DTI, including your mortgage payment, is no more than 43%.
Steady income: Whether you’re self-employed or have a W2 job, we want to ensure that you have a stable work history showcasing your likelihood of being able to afford your property now and in the future. Two years of consistent employment are typically required to qualify for a land loan.
Credit history: Your credit score is a significant indicator of your financial responsibility. We will review your credit history and credit score to determine whether you have the background that showcases your ability to manage payments.
Ultimately we will take a look at your full profile and speak with you directly if needed to help you qualify for a land loan.
A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land.
Once you’re ready to build, you can secure a different type of loan to cover construction costs.
When you purchase land, you want to ensure that it can be used for the desired purpose. That involves having certain information about the land in advance, such as the items listed below:
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!