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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.
All branches will be self-service only Monday, October 9th, for Columbus Day. Normal business hours will resume Tuesday, October 10th. Smart ATMs and Online and Mobile Banking will remain available.
Getting a lower rate is the crux of refinancing your auto loan. But did you know there’s more to be gained when you refinance? We can help you get more than the low rates you’re looking for, we can help you gain flexibility, convenience and more with our auto refinancing options.
When you refinance, you can tap into these competitive features:
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.
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.
| Loans | APR as low as | Maximum Term |
|---|---|---|
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 6.99% | 36 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 7.24% | 66 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 7.54% | 75 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 8.29% | 84 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 9.04% | 96 months |
| Previous 3 Years and up - More Than 30,000 miles | 7.24% | 66 months |
| Previous 3 Years and up - More Than 30,000 miles | 7.54% | 72 months |
| Used Auto (4-6 years old) | 7.74% | 72 months |
| Used Auto (7-24 Years) | 8.99% | 54 months |
| Antique Automobiles (25 yrs old) | 9.00% | 48 months |
| Rebuilt Automobiles | 9.00% | Terms based on year |
All rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply; 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. APR = Annual Percentage Rate.
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.
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.
Most auto refinancing options focus solely on lowering interest rates but we offer more than that. With us, you get low rates plus additional features, like no fees and flexible terms. Take advantage now to refinance up to 100% of your car’s value today.
We offer membership to people who live, work, worship, or attend school in northwest Alabama and south-central Tennessee. Community donations are available to nonprofits based within these areas.
We aim to support a wide range of non-profit organizations that are contributing to community development and enrichment in our focus areas. Your nonprofit may be eligible to receive a donation for things like improving schools, boosting economic development, helping underserved communities with food or clothing, or even providing affordable housing.
Requests must be submitted at least two weeks in advance of the time when you need the funds or prior to the event you are fundraising for.
This is because our socially responsible investment strategy requires that we have time to go over each request and make sure we are using the credit union's community donations in the most impactful way.
Please contact us at listerhill.com/support, using our chat bubble in the bottom right corner or by calling us at 256-383-9204 for assistance.
Since bill payments are not automatically recurring, you're not able to use ClickSWITCH for them.