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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.

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Mortgage Affordability Calculator

How It Works

It's important to know if the monthly payments on a mortgage will fit within your budget. Simply said, this calculator helps you do that.

Start by entering how much you think your monthly mortgage payment will be. Next, enter your monthly income after taxes. Finally, enter your expenses; add and delete categories to make your list of expenses as accurate as possible. Take a look at the results!

Common FAQs

  • Does it matter who your mortgage is with?

    Yes because choosing the right lender for your home loan or refinance can lead to a better transaction overall. This is especially important if you are a first time homebuyer or attempting to qualify under special circumstances.

  • Is a credit union better for mortgages?

    Securing a mortgage through a credit union is preferable for many seeking to purchase a new home or refinance. Credit unions often offer more competitive mortgage rates in Alabama and are more flexible with their terms and conditions.

  • Why choose Listerhill for my mortgage?

    At Listerhill, our focus is on “people helping people.” When you purchase a home, we want to offer you the support you need from application to closing.

    As a nonprofit cooperative owned and operated by its members, you own an equal “share” in Listerhill and vote in elections for the Board of Directors and Supervisory Committee. That means your voice is always heard, and in turn, our actions reflect your needs and desires.

    Our mortgage rates, terms, and policies will always reflect your needs in securing the best credit union mortgage loan in Alabama.

    Apply Now

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Frequently Asked Questions

  • Do I have to be a Listerhill member to apply?

    You can apply as a current member or become a member during the application process if you meet eligibility and credit requirements.*

  • What does 0% APR for 12 months mean?

    It means you won't be charged interest on eligible purchases for the first 12 months after opening your new Listerhill Visa Signature® Rewards or Visa Platinum® Credit Card.*

  • How long does the 0% APR last?

    This introductory 0% APR offer applies for 12 months from account opening.*

  • Do current Listerhill credit cardholders qualify?

    No, current Listerhill Visa Signature® Rewards and Visa Platinum® Credit Card holders are not eligible for this offer, but other promotions may be available.

  • Who qualifies for the 0% APR offer?

    This offer is available to new Listerhill Visa Signature® Rewards and Visa Platinum® Credit Card holders and is subject to credit approval.*