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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.
Don't let a financial roadblock keep you from finding the perfect car or truck that fits your needs.
Whether you need a brand new ride to accommodate your growing family or a trusty pre-loved set of wheels that’ll get you where you need to go, our auto loans in Muscle Shoals, AL can help you accomplish those goals.
Our auto loans boast these competitive features:
As a member-owned financial cooperative, we pride ourselves in being able to provide higher rates on shares and low-interest rates to match your budget. As a member, you’re able to benefit from competitive auto loan rates and additional auto loan options to ensure that you get what you deserve. We believe in the principle of “people helping people”.
As a nonprofit cooperative, we keep our loan rates competitive 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.
Borrow up to 100% of the vehicle's cost. This gives you access to the ride you truly want.
Apply for an Auto Loan in the way you find most convenient: online, in a branch, telephone, or complete it all on-site at a participating dealership.
Pay at a pace that is right for you with terms up to 96 months.
You don’t have to get stuck with a loan that you can’t afford when you have the option to refinance your auto loan. At Listerhill Credit Union, our experts are able to successfully guide you through the process of auto refinancing in order to achieve a lower interest rate and greater repayment flexibility.
Buying a new car is exciting and should be an adventure, but it can become stressful if you don’t have all the information and options in front of you. That’s where Listerhill Credit Union comes in. When you partner with us, the only thing you need to worry about is enjoying your new purchase (and an affordable monthly payment).
With our easy application process and low-interest rates, you can get an affordable auto loan in no time, and hit the road in a new-to-you vehicle. From simple rides that get you from one destination to the next to collector’s items that require a little more financial assistance, Listerhill Credit Union is here to help.
Empower yourself to make smart financial decisions with our variety of financial calculators. Calculate 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.
Get the rate you deserve and lower your monthly payment by refinancing your current auto loan.
In the event of an emergency, safeguard your family through optional loan payment protection.
We can help you protect every part of your investment. Prevent from owing more than the vehicle is worth in the unfortunate event of an accident with GAP coverage.
We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.
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.
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.
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.
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.
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.
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.
