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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.
With a Home Equity Loan or Line of Credit (HELOC), you can make home improvements or build a family pool — whatever your goals may be. Use the equity in your home to borrow the amount you need at a low interest rate and start making memories today.
Looking for a new mortgage? Start with what will impact you most daily. See what your best case mortgage scenario might look like.
It's important to know if monthly mortgage payments will fit your budget. This calculator helps you do just that.
If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.
Also known as a second mortgage, home equity loans work by borrowing against the value of your home’s current equity. You may calculate this yourself by subtracting the amount you owe on your mortgage from the value of your home. Home equity loans provide lump-sum funds at fixed rates, creating affordable monthly payments that are consistent and affordable.
Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks. If you can dream it, you can achieve it!
Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.
If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.
Setting up a travel notification tells Listerhill that you will be using your card overseas or in a different state. By informing us ahead of time, you’ll make sure that legitimate transactions using your credit or debit card are not blocked, so you’ll always have access to your money.
Unlike regular paper statements, eStatements are available instantly. There’s no chance they will get lost in the mail, and you do not need to worry about misplacing them — they’re always available online. They’re also searchable, which makes it easier to find specific transactions. In addition, eStatements save paper, making them more cost-effective and environmentally friendly.
No, while you can track card activity using Online and Mobile Banking, you currently need to use the LCU Card App to set up card alerts and notifications. This functionality will be coming soon to Listerhill’s Online and Mobile Banking services.
Yes, the LCU Card App is designed to allow you to monitor and manage multiple cards, including both credit and debit cards.
Listerhill Online and Mobile Banking lets you access information about your card balances and transactions (once you have added your card details). The LCU Card App also lets you track card spending, but also allows you to add notifications and alerts, enable transaction alerts, view recent and pending transactions, and instantly lock or unlock cards.