Make your dream of owning an RV, ATV, motorcycle, or boat a reality with a Recreational Loan. What are you waiting for? Get pre-approved, and you’ll be headed outdoors in no time.
As a nonprofit cooperative, we keep our loan rates low by returning profits to our members in the form of better rates.
Ever.
Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.
Pay at a pace that is right for you with some Recreation Loan terms up to 144 months.
Apply for an Recreation Loan in the way you find most convenient: online, in a branch, telephone, or complete it all on-site at a participating dealership.
Borrow up to 100% of the recreational vehicle's cost. This gives you access to the experiences you truly want.
In the event of an emergency, safeguard your family through optional loan payment protection.
We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.
Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.
| Loans | APR | Maximum |
|---|---|---|
| New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 | as low as 4.00% | 60 Months |
| New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 | as low as 4.24% | 72 Months |
| New Motorcycle & 4 Wheeler | as low as 3.99% | 60 Months |
| Used Motorcycles & 4 Wheelers | as low as 4.49% | 60 Months |
| New Motor Home | as low as 4.50% | 84 Months |
| Used Motor Homes | as low as 4.50% | 84 Months |
| New 5th Wheel | as low as 4.50% | 84 Months |
| New Travel Trailers | as low as 4.50% | 84 Months |
| Used Travel Trailers & Used Fifth Wheels | as low as 4.50% | 72 Months |
| New Watercraft | as low as 3.99% | 72 Months |
| New Watercraft | as low as 4.29% | 84 Months |
| New Watercraft | as low as 4.99% | 120 Months |
| Used Watercraft | as low as 3.99% | 60 Months |
| Used Watercraft | as low as 4.99% | 72 Months |
| Used Watercraft - Previous 3 Years & up (Minimum $25,000) | as low as 5.99% | 120 Months |
| New Waverunners | as low as 4.49% | 60 Months |
| New Waverunners | as low as 4.29% | 72 Months |
| Used Waverunners | as low as 5.75% | 60 Months |
Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.
When you purchase your new or used recreational vehicle at a participating dealership, you can finance your vehicle through Listerhill and complete your transaction on the spot. All of the paperwork is taken care of at the dealership. You enjoy the same great Listerhill rates and services without an additional trip to your local branch.
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.
Answer a few questions and we will find a solution that works for you. It only takes a few seconds.
| New Fee: | Details: |
|---|---|
| Maintenance Fee | We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria:
• You or someone in your household has had a current loan or mortgage within the last 12 months. • You or someone in your household has an open credit card • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts • You or someone in your household has a relationship with our Listerhill Financial Services department • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month • You are under the age of 25 • Your account is less than 90 days old • You have paid a Return Mail Fee or an Inactive Account Fee for the month |
| Existing Fee: | Changing To: |
|---|---|
Jumbo Certificates Early Withdrawal Penalty • Terms of 1 year or less: 30 days interest • Terms of over 1 year: 90 days interest | Monthly Certificate Early Withdrawal Penalty • Terms of 1 year or less: 90 days interest • Terms of 18 mos-2 yrs: 180 days interest • Terms of over 2 years: 210 days interest |
| Existing Fee: | Changing To: |
|---|---|
| Regular Certificates Early Withdrawal Penalty
• Terms of 1 year or less: 30 days interest • Terms of over 1 year: 90 days interest | Quarterly Certificate Early Withdrawal Penalty
• Terms of 1 year or less: 90 days interest • Terms of 18 mos-2yrs: 180 days interest • Terms of over 2 years: 210 days interest |
| Existing Fee: | Changing To: |
|---|---|
| Relationship Fee | This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee. |
| Existing Account: | Changing To: | What This Means: |
|---|---|---|
| Jumbo Certificates (60 month and 72 month) | Monthly Certificate (60 month) | Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. However, you will continue to receive the following benefits:
• Interest Paid Monthly • Interest Paid by Deposit to Affiliate Account (Early withdrawal penalties have changed. Please see chart below.) |