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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.
By clicking "Continue," you will leave Listerhill's website and enter a website hosted by a third party. Please be aware that this external website is not operated by Listerhill Credit Union. We are not responsible for the content, availability or the security of this linked site, and our privacy policies do not apply. We encourage you to review the privacy and security policies of the site you are visiting.
Effective 9/1/2026
Mortgage and Home Loans are subject to credit approval. Actual rates will be determined by the individual creditworthiness of each borrower. Rates are subject to change without notice. The APR on adjustable-rate home loans may vary and are subject to change after consummation. Property, occupancy, underwriting, and other restrictions may apply. Equal Housing Lender. Contact a loan officer for current rates, APRs, down payment requirements, and complete program details. APR = Annual Percentage 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!
NMLS# 449408
4790 East Second Street, Muscle Shoals, AL 35661
256.383.9204, ext. 1222
saldridge@listerhill.com
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.
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Join us and experience banking that’s designed for you.
Join us and experience banking that’s designed for you.
Answer a few questions and we will find a solution that works for you. It only takes a few seconds.
Yes. You can apply for a qualifying Listerhill checking account online. During the application process, you'll provide the information needed to open your account and establish your banking relationship with Listerhill.
An "eligible school" is a state-registered school (an educational institution that has been officially recognized and approved by a state education authority to operate) in Alabama or Tennessee. Donations are made directly to the designated school and are not paid to the member.
Qualifying checking accounts promoted as part of this offer have no minimum balance requirement. However, Listerhill's Growth Checking account does require a minimum balance of $1,000 to avoid a monthly low-balance fee. See full Growth Checking account rates and terms.
Current Listerhill members may be eligible for the $250 cash giveback if they:
Eligibility is subject to membership requirements and qualifications for Everyday and Growth Checking products.
Open a qualifying checking account, obtain an associated debit card, use that card for qualifying purchase activity and receive qualifying direct deposits that meet the offer requirements. Additional eligibility requirements and offer terms apply.