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Not a member yet?

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.


Tools for your every day financial needs.

Powered by Banzai, our calculators can help you make sound financial decisions with accurate estimates on a variety of financial topics and products.

From establishing a basic budget or picking an interest earning savings account to mortgages and inflation estimators, we've got everything you need!

Auto Calculators
Auto Refinance Calculator by Month

Refinancing is essentially getting a new loan with new terms. See if this option is right for you.

Auto Refinance Calculator by Term

Refinancing to a shorter term may save money and/or get you a lower interest rate. See if this option is right for you.

Auto Loan Payoff Calculator

Adding to your monthly payment can help pay off your loan sooner. See the impact of putting more toward your loan today.

Auto Loan Affordability Calculator

Start with what you can afford and not just what you want to drive. This calculator will show you the sweet spot between want and affordability.

Low Rate vs. Cash Back Auto Financing Calculator

When buying a car, you may be faced with a cash back incentive or lower interest rate. This calculator can show the total amount you will pay for either option.

Budget Calculators
Basic Budget Calculator

Budgeting helps you meet your goals and prioritize your expenses. Begin your budget journey with an expense list.

50/30/20 Calculator

This rule says after-tax income should be divided - 50% to needs, 30% to wants, and 20% to savings. Figure out your 50/30/20.

Rent Affordability Calculator

Rent can be a big part of your monthly budget. This calculator can help you figure out how much you can afford for a new place.

Cost of Living Calculator & City Comparison

This calculator will show you a comparable salary between two different cities as well as how prices might change for common expenses.

Vacation Affordability Calculator

You’ve got the details. Make sure your wallet can handle your dream vacation before you take off (proverbial or otherwise).

Savings Calculators
Savings Calculator

Money grows with monthly deposits, account interest and time spent saving. See how your savings can grow with compound interest.

CD Calculator

Savings account that sets aside money for a period of time at higher interest. See what you might earn with a CD over basic savings.

Money Market Account Calculator

MMAs can offer higher interest than traditional savings. See if this option works for you.

Emergency Fund Calculator

This fund is for essential expenses to get you through a tough time. Find out how much you need to save monthly to reach your savings goal.

Retirement Calculator

Saving for retirement as early as possible is crucial because funds take time to grow. See what you need to save to enjoy your current standard of living in retirement.

Debt Calculators
Debt Payoff Calculator

Debt comes in many shapes and always needs attention. This tool can help you figure out what you need to pay to get debt free.

Credit Card Payoff Calculator

See how much you will pay by your payoff date and potentially adjust your monthly payment to save on interest.

Student Loan Payoff Calculator

Never ideal, but sometimes unavoidable. See how much you can save by adding various amounts to your monthly payment.

Minimum Payment Calculator

Paying more than the minimum on a debt may get you out of debt faster and save you money on interest. Explore how much you could save by paying more than your minimum payment.

Mortgage Calculators
Mortgage Calculator

Mortgages may divide payments monthly making it hard to know what you will pay overall for your home.

Mortgage Refinance Calculator

When interest rates or the market change, it may be good to think about refinancing. See if refinancing works for you.

Mortgage Estimation Calculator

Looking for a new mortgage? Start with what will impact you most daily. See what your best case mortgage scenario might look like.

Mortgage Affordability Calculator

It's important to know if monthly mortgage payments will fit your budget. This calculator helps you do just that.

Early Mortgage Payoff Calculator

What you owe will grow over time and interest can add thousands. See what you can save by adding to your monthly payment.

Home Equity Line of Credit (HELOC) Calculator

This line of credit allows you to tap into your home’s equity and borrow against it. Estimate the limit you could be approved for.

Investment & Other Calculators
Rule of 72 Calculator by Years

Estimate how long it will take for an investment to double with a fixed annual interest rate over a number of years.

Rule of 72 Calculator by Interest Rate

This rule predicts how long an investment will take to double based on a fixed annual interest rate.

Simple vs Compound Interest Calculator

Knowing simple vs compound interest can help you earn as much interest as possible while not paying more than you have to.

Asset Depreciation Calculator

See how an asset will depreciate over time, the asset value, the yearly depreciation rate, and the annual depreciation.

Inflation Calculator

Inflation measures the rate of rising prices in an economy. See how inflation can impact spending and saving in your personal life.

Federal Income Tax Withholdings Calculator

Federal income tax must be paid to the federal government. See how much income you should expect to be withheld each year.

Personal Loan Calculator

If you calculate the right amount to pay monthly, you may be able to reduce how much you pay. See how long it will take to pay off your loan using its interest rate and the amount owed.

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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.