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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.

Calculators

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 happens when federally insured credit unions merge?

    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.

  • What happens if a federally insured credit union is liquidated?

    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.

  • If a credit union is liquidated, what is the timeframe for payout of the funds that are insured if the credit union cannot be acquired by another credit union?

    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.

  • What happens to members with uninsured shares?

    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.

  • What happens to my direct deposits if a federally insured credit union is liquidated?

    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.