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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

  • Is my membership donation tax-deductible?

    You do not pay any additional fee or donation when you join Listerhill through KFKA. Listerhill makes the $5 donation to the Listerhill Foundation. Because you are not the one making that donation directly, it is not a tax-deductible contribution for you.

    For personal giving to the Listerhill Foundation, please consult your tax advisor about your specific situation.

  • Can I still support Kicks for Kids if I'm already a member?

    Yes! You can still support the Listerhill Foundation and Kicks for Kids as a member through donations, fundraising events, and volunteer opportunities.

  • Do I live in the right area to join Listerhill?

    If you're within Listerhill's existing service areas, you may qualify based on where you live and your nearest Listerhill Credit Union branch. If you're outside our service areas, you can still become a member. by joining through the Kicks for Kids Association (KFKA) during the application process.

  • Does it cost extra to join Listerhill through the Kicks for Kids Association?

    No. There is no extra cost to you to join Listerhill through the Kicks for Kids Association (KFKA). For every new member who joins via KFKA, Listerhill Credit Union donates $5 to the Listerhill Foundation to support Kicks for Kids.

  • What is an associational membership?

    An associational membership is a way to qualify for credit union membership by belonging to an approved association or organization. In this case, joining the Kicks for Kids Association (KFKA) is what makes you eligible to join Listerhill Credit Union, even if you don't otherwise qualify by where you live, work, worship, or attend school.