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Mortgages in Muscle Shoals
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Mortgages in Muscle Shoals

Finance your next home buying decision with reliable, affordable mortgages.

Your next home will be a place to grow and learn, a space to make memories and a safe refuge for all of your loved ones. Our mortgages in Muscle Shoals are a great match to your goals, with flexible terms and competitive rates so you can make your house a home with peace of mind.

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Home Loans

Loans APR Maximum Term
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 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 2.75% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 3.00% 5 years (amortized over 30 years)
Short Term Fixed as low as 2.75% 7 years
Construction Loan as low as 5.49% 12 months
Land Loan as low as 4.75% 15 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 4.25% 5 years (amortized over 30 years)
Effective 8/1/2020

* 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.

Product Features
Up To 100% Financing

Get up to 100% financing on select mortgage products.

Pay Back on Your Terms

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

Convenient Payment Options

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.

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. 

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.

About Listerhill Credit Union In Muscle Shoals, AL

Listerhill Credit Union is your trusted source in the banking community for all of your personal and business banking needs. With decades of experience, members can apply for mortgages knowing they are getting the most competitive rates and terms to start making their house a home. Branches are conveniently located in Muscle Shoals and Sheffield, AL.

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Additional Questions?

Listerhill has been 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.

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Frequently Asked Questions

  • How do I qualify for membership at Listerhill?

    To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, or Tennessee, you are eligible to become a member.
      • Depending on your individual eligibility requirements, 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.
  • If you do not live in qualifying counties or states

    You can qualify for membership by being a family member of a current or potential Listerhill member.

  • If you do not live in qualifying counties

    If you do not live, attend school, own property, or work in the qualifying counties (listed above), you can become a member by joining an approved association (at no cost to you) if you reside in Alabama, Georgia, or Tennessee.

  • If you do live in qualifying counties

    You must live, attend school, own property, or work in qualifying counties:

    • Lauderdale County, AL
    • Colbert County, AL
    • Franklin County, AL
    • Marion County, AL
    • Winston County, AL
    • Cullman County, AL
    • Limestone County, AL
    • Lawrence County, AL
    • Morgan County, AL
    • Lamar County, AL
    • Fayette County, AL
    • Walker County, AL
    • Maury County, TN
    • Spring Hill, Williamson County, TN
  • Is there a Listerhill branch in Athens?

    Our Listerhill branch in Athens, Alabama is under construction will be open and ready to serve you in spring 2022! Until then, our closest branch to the Athens, AL area is in Rogersville.