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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.

Common Scams & Fraud

Stay ahead of scammers by learning about common scams and fraud tactics.
Identity & Access Scams

Identity Theft

Occurs when someone uses your personal information - such as your Social Security number, credit card number, or bank account details - without your permission to commit fraud or other crimes.

Phishing & Smishing Scams

Phishing involves deceptive emails, while smishing uses fraudulent text messages to trick you into revealing personal information or clicking on malicious links.

AI-Powered Impersonation Scams

Scammers use deepfake audio or AI-generated voices to convincingly pose as trusted individuals - often family members or financial professionals - in order to gain access to your accounts or trick you into sending money.

Impersonation Scams

Criminals pretend to be trusted entities like your credit union, government agencies, or service providers to gain access to your accounts or money.

Business Email Compromise Scams

Hackers infiltrate legitimate business email systems to impersonate executives or vendors and redirect funds through fraudulent invoices or instructions.

Fake Websites

Cybercriminals create sites that mimic real companies to trick you into entering login credentials or payment information.

QR Code Scams

You're tricked into scanning a malicious QR code that directs you to a fraudulent site designed to steal your personal or financial information.

Financial & Payment Scams

Card-Not-Present (CNP) Fraud

Occurs when fraudsters use stolen card information to make online or phone purchases without the physical card being present.

Check Theft & Mail Fraud

Criminals steal checks from mailboxes, alter them, and attempt to cash them under false pretenses - targeting both individuals and businesses.

Overpayment Scams

The scammer sends a fake check for more than the purchase price and asks you to refund the difference - once the check bounces, you lose your money.

Check Cashing

You're asked to cash a check for someone and send back a portion of the funds - only to discover the check is fake and you're responsible for the loss.

Payment Scams

You're asked to make a payment - often via gift cards, wire transfers, or payment apps - with the promise of a reward or reimbursement that never comes.

Mortgage Closing

During the home-buying process, you receive fake wiring instructions from a spoofed title company or lender, redirecting your down payment to a scammer's account.

Social & Emotional Scams

Emergency Scams

Scammers pose as a friend or relative in urgent need - often claiming an accident, arrest, or medical emergency - to pressure you into sending money quickly.

Grandparent Scam

A scammer poses as your grandchild in distress - often crying or whispering - asking you not to tell their parents and to send money right away.

Romance Scam

Scammers build fake online relationships to gain trust and eventually ask for money, often claiming a personal or medical emergency.

Puppy Scam

Scammers advertise non-existent pets for sale online, request payment and shipping fees, then vanish without delivering the animal.

Charity Scams

Fake charities use emotional appeals or disasters to trick you into donating to causes that don't exist.

Investment & Opportunity Scams

Investment Scams

You're offered a "guaranteed" return on a no-risk investment that turns out to be fake - often in cryptocurrency, real estate, or startup schemes.

Lottery Scams

You're told you've won a prize or lottery you never entered, but you must pay taxes or fees before collecting the (nonexistent) winnings.

Debt Relief

Fraudulent companies promise to erase your debt or improve your credit - for a fee - without delivering real help.

Employment Scams

Fraudulent job listings offer high pay or flexible work but require you to provide sensitive personal information or pay for training or materials.

Fake Rental

Scammers list properties they don't own, collect deposits or rent up front, and then disappear - often targeting out-of-town renters or urgent movers.

Online Merchant/Marketplace Scams

Fraudsters post fake listings for products or services on websites or social media, often asking for payment up front and never delivering the goods.

FTC & IRS Scams

Scammers claim to be from the IRS, FTC, or another agency, threatening arrest or fines unless you pay immediately - usually by gift card or wire transfer.

Tech Support Scams

A scammer pretends to be a tech support agent, claiming there is an issue with your computer and urging you to grant remote access or pay for fake services.

Reporting Scams
Spotted a scam or worried you've been made a victim?
  1. Contact us at 256-383-9204 or by visiting our support page.
  2. Report the incident through the suspicious activity form.
  3. Report the scam to the BBB Scam Tracker and the government via the FTC Report Fraud site. You may also want to report scammers directly to the FBI.
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Frequently Asked Questions

  • Do you need to be a Listerhill Credit Union member to apply for a Money Market Account?

    Yes, you do need to be a Listerhill Credit Union member to apply for a Money Market Account. To qualify for membership with Listerhill, you must meet one of the following requirements:

    • You must live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee.
    • Depending on your individual eligibility requirements, we may require membership in 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.
  • How does a tiered dividend rate structure work?

    Money market accounts typically offer tiered dividend rate structures. That means account balances above certain thresholds earn a higher rate. For example, Listerhill  Credit Union offers progressively higher APYs on amounts above $9,999, $49,999, and 99,999. It’s important to realize that only the portion of your deposit above this threshold will earn the higher rate, while the amount below will continue to earn dividends at the lower rate.

  • Where is the best place to open a money market account?

    Credit unions offer more generous dividends on average than other banking institutions, as well as fewer fees and charges. Credit Unions also offer more personal service to help you set up and manage your money market account.

  • What do you need to open a money market account?

    In order to open a Listerhill Credit Union Money Market Account, you need to be a member of Listerhill Credit Union. You’ll also need:

    • Proof of identity, such as drivers license, state ID card, or passport
    • An opening deposit of at least $15 to cover the low balance fee
  • How do credit union money market accounts work?

    Credit Union Money Market Accounts allow you to earn more money in dividend payments by offering progressively higher rates for amounts above $9,999, $49,999, and $99,999. Only the portion above the threshold earns the higher dividend rates. Because credit unions are not-for-profit financial cooperatives owned by and run on behalf of their members, dividend rates are higher on average than those offered by commercial bank accounts.