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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.

Listerhill is Open For Business...Lending

As a credit union, we do things a little differently. As a member, you reap the benefits. Joining our family gives you more than better rates and lower fees. It offers a sense of belonging because you'll have membership in a co-op dedicated to giving back to the communities we serve. And by making your business stronger, you'll be better able to serve your neighbors as well.

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default-icon for Jeremy Walton, AVP Commercial Lending
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Meet the Team
Jeremy Walton, AVP Commercial Lending

P: 256.314.6587 | E:

Fred Lindsey, VP Commercial Lending


Paula Williams, Commercial Operations Manager


Dewayne Eckl, AVP Commercial Lending

P: 256-314-6527 | E:

F: 256-809-1987

Serving up loans one slice at a time.

Jeremy Walton got together with the owners of The Pie Factory in Florence, AL to chat about how Listerhill was able to help them accommodate the needs of their growing business and focus on what they do best.

Making our community better one loan at a time.

Jeremy Walton met with the owners of Burchell Properties, LLC in Columbia, TN to talk about what Listerhill has meant to their family business.

A helping hand is part of every business plan

Because even when you run your own company, you still need a partner.

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Upload your application documents easily.

At Listerhill, we understand that time is money. That's why we provide a simple, quick and easy way to upload the documents needed to keep your application moving.

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We're in the business of helping you stay focused on yours.

Since 1952, business owners have turned to us as their trusted financial partner. There's a simple reason why. It's because we listen and learn before customizing our comprehensive financial solutions to help them reach their goals. That way, they can stay focused on running their business, with us at their side to help it run smoothly and grow. From purchasing property and equipment, to securing an operating line and utilizing merchant services, Listerhill is here to lend a hand - not just money.

We're here for you when you need us.

From nearly 20 branches in the area and our participation in a network of credit unions across the country, Listerhill members are never far from their money. We offer a 24-hour automated telephone service that lets you check balances, transfer funds, make loan payments, and more. We also have Smart ATMs, so you can make a deposit, get exact change, or make loan payments - all 24 hours a day.

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Account Access
Smart ATMs
Ready when you are.

At Listerhill, we believe your financial life should work around your schedule, not ours. That's why we’ve introduced our Smart ATMs, so you can make a deposit, get exact change or make loan payments — all 24 hours a day.

Online Banking
Your money at your fingertips.

Online Banking gives you access to manage your accounts at any time from your computer. View detailed account history, access eStatements, transfer funds, pay bills or other people and even budget your accounts from any financial institution.

Mobile Banking
We've got you covered.

Most of us live day-to-day with our phone in our hands. There is no reason your money shouldn't be right there with you. Whether you want to make a deposit, pay bills, transfer funds, or even purchase a cup of coffee, we've got you covered!

At Listerhill...

Be part of something bigger than a bank. Be part of your community.

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The 7 Stages of Starting and Running a Business

  • Seed Stage

    The seed stage is when your business is just a thought or an idea. Most businesses will have to overcome the challenge of market acceptance and you must focus on matching business opportunity with your skills, experience, and passions.

  • Start-Up Stage

    Your business now exists in legal terms! Products or services are in production and you have your first customers. The main challenge is not to burn through your funds. Learn what profitable needs your clients have and do a reality check to see if your business is on the right track at this stage. Most start-ups require establishing a customer base and market presence while conserving cash flow.

  • Growth Stage

    Revenues and customers are increasing with many new opportunities and issues. Profits are strong, but the competition is surfacing. Learning to manage a consistent range of issues at this stage is crucial. Focus on running your business in a more formal fashion to deal with increased sales and customers. Improve management systems and hire new employees to deal with the influx of business.

  • Established Stage

    Your business has now matured into a thriving company with a place in the market and loyal customers! Sales growth is not explosive but manageable and business life has become routine. It's important to stay focused on the bigger picture by improving productivity to stay competitive and retain customers. To compete in an established market, you'll need automation and outsourcing to improve productivity.

  • Expansion Stage

    Your company is growing into new markets and distribution channels. This stage is often the time to choose to gain a larger market share and find new revenue and profit channels, if desired. After planning and researching, add new products or services to existing markets or expand your business into new markets.

  • Decline Stage

    Changes in the economy, society, or market conditions can decrease sales and profits quickly leading to struggle. Businesses in decline will be challenged by dropping sales, profits, and negative cash flow. The biggest issue is how long your business can support negative cash flow in this stage. Consider if it may be time to move on by seeking out new opportunities and business ventures while cutting costs and finding ways to sustain cash flow.

  • Exit Stage

    It's a big opportunity for your business to cash out on all the effort and years of hard work you've put in. Selling a business requires a realistic valuation. If you decide to close your doors, the challenge is to deal with the financial and psychological aspects of a business loss. Get a proper valuation of your company. Look at your business operations, management, and competitive barriers to make the company worth more to a buyer and setup legal buy-sell agreements along with a business transition plan.

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*Information sourced from "The 7 Stages of Starting and Running a Business" by Darrell Zahorsky, The Balance Small Business (October 28, 2019). Click here to read full article.

Business Account Types & Needed Documentation

  • Sole Proprietorship

    Employer Identification Number (EIN) documentation, if applicable.

  • Corporation
    • Corporate Bylaws, Articles of Incorporation, or Certification of Formation (all officers and account signers must be listed).
    • Employer Identification Number (EIN) documentation.
  • Partnership
    • Partnership Agreement or Certificate of Formation (all officers and account signers must be listed).
    • Employer Identification Number (EIN) documentation.
  • Limited Liability Company
    • Articles of Organization, Operating Agreement or Certificate of Formation (all officers and account signers must be listed).
    • Employer Identification Number (EIN) documentation.
  • Unincorporated Association, Organization or Club
    • Board Meeting Minutes or Letter authorizing account and account signers.
    • Employer Identification Number (EIN) documentation, if applicable.
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For each account type, provide for identification all signers and information for beneficial owners.

Interested in Applying for a Business Loan or Credit Card?

Here's your application checklist.*

  • Business Application
  • Personal Financial Statement
  • Personal Federal Tax Returns with all attached schedules and W2's (last two years)
  • Business Tax Returns with all attached schedules (last two years)
  • Interim Profit & Loss and Balance Sheet
  • Rent Roll to include property taxes, insurance, mortgage payment and loan balance, if applicable.
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*Other documentation may be required to complete the application process.

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Common Links

Frequently Asked Questions

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.