Community

Listerhill's Commitment to Community

Listerhill Credit Union's mission is to improve lives in our community. This means more than just providing great service in a branch or on the phone. It means we are committed to impacting the lives of our members, and we are always seeking the opportunity to invest in our communities. Through fundraising, education, donations, scholarships, and sometimes even the swing of a hammer, Listerhill is committed to making our community a better place. Learn more about the exciting things we are doing in your community.

Commitment to Community
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In the Community

The Listerhill Cares Program embodies our “people helping people” principle by giving employees the opportunity to make our community a better place. By volunteering their time and talent, employees give back to the local charities and non-profits in their communities.

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In the Schools

Listerhill Credit Union is dedicated to investing in our community and what better way than to impact schools in our service area. Listerhill approves an average of 350 monetary request each year and over 50% of these request benefit local schools. From sponsorships to scholarships, we look for every opportunity to enhance the lives of local students!

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Let's Work Together

At Listerhill Credit Union we are always proactively seeking ways to invest in our communities. If you are seeking a donation or partnership, please complete our Donation Request Form.

In the Community
Listerhill Foundation: Kicks For Kids

Every day, thousands of children around Alabama and Tennessee face poverty and the result is a lack of appropriate, safe shoes. The Listerhill Foundation's current initiative, Kicks For Kids, exists to raise awareness of this problem and offer real, impactful solutions to those most in need.

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In the Community
Listerhill Cares

Our Listerhill Cares program embodies the credit union philosophy of “people helping people” by giving employees the opportunity to make our community a better place by volunteering their time and talent to local charities and non-profit organizations. Do know of a community project that needs extra hands? Contact us to see if Listerhill Cares can help.

In The Community
Community Events

From Florence's First Fridays to Columbia's Mule Day, we get excited about meeting our members out in the community. Listerhill provides financial support and is actively engages in dozens of community events across communities throughout northwest Alabama and south central Tennessee. So when you're out, you'll probably see us with our classic red tent and smiling faces. Stop by and say hello!

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In The Community
Local Fundraising

One of Listerhill’s goals is to support what is important to our members. Every year, Listerhill ask members and employees to participate in a charitable contribution survey which helps Listerhill choose the fundraising efforts members are passionate about. Two non-profits that always rise to the top of this list are American Cancer Society’s Relay for Life and St. Jude.

Listerhill and its employees have raised money for Relay for Life each year since 1995, raising nearly $100,000 over the last 10 years. In the Spring, branches sell t-shirts and wristbands to raise funds and awareness for this annual campaign.

Listerhill also supports St. Jude with an annual Fall fundraising campaign. In additional to this fundraiser, Listerhill donates $.50 to St. Jude for every deposit made into Good Start Savings account at no cost to you.

In The Community
The Keystone Debit Card

The Keystone Card is Listerhill's newest debit card that provides you an easy way to support UNA! For every purchase, Listerhill donates a portion of the amount you spend back to the University's students, alumni, athletics, and advancement programs.

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In The Schools
Financial Wellness

Balancing a budget, buying a home or car, and planning retirement are just a few of the important financial decisions most of us have to make at some point. As a credit union, we understand the importance financial education has in making the best decision for you and your family. That's why we have initiated several financial wellness programs to empower our members and the community to to become more financially secure and establish good habits for wise spending and saving.

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In The Schools
Scholarships

We promote higher education in the community by funding foundation scholarships and additional scholarships through local colleges. 

Charlotte Y. and Albert E. Williams Scholarship at University of North Alabama - This endowment scholarship is open to all students who have demonstrated potential for success through GPA and college entrance examination scores with a preference to Business Majors. Scholarship applications may be obtained at UNA’s Financial Aid Department. Where to apply?

Listerhill Employees Credit Union/UNA Alumni at University of North Alabama - This endowment scholarship is open to all students who have demonstrated potential for success through GPA and college entrance examination scores. Preference is given to children of employees and members of Listerhill Credit Union. This scholarship is for one year only, but prior recipients may reapply. Scholarship applications may be obtained at UNA’s Financial Aid Department. Where to apply?

Joseph Wade Endowment Scholarship at Northwest Shoals Community College - This endowment scholarship is open to all students. Preference is given to applicants who are members of Listerhill Credit Union. Priority given to students pursuing a 2-year technical degree. Recipient must be a full-time student and maintain a 2.0 cumulative GPA. Each scholarship is for one academic year, but prior recipients may reapply for subsequent years. Scholarship applications may be obtained at NWSCC's Financial Aid Department. Where to apply?

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Frequently Asked Questions

  • The Great Giveback Official Rules

    1. Eligibility: No purchase or obligation necessary to participate and win. All participants must be 19 years of age or older at time of contest participation. Employees of Listerhill Credit Union are not eligible to register for the contest.

    2. How To Enter the Contest: All Listerhill members who have consumer loans in good standing, (subject to limitations below) are automatically entered. Anyone who takes out a new loan with Listerhill Credit Union, or refinances a loan from another lender with Listerhill Credit Union (subject to limitations below) will automatically be entered to win. Limit of one entry per loan.

    NO PURCHASE NECESSARY: To enter the contest without a loan, send a self-addressed, stamped envelope to: Listerhill Credit Union, P.O. Box 566, Sheffield, AL 35660, Attn: Great Giveback Contest Entry. Limit one entry per person. Written entries must be received no later than July 3, 2021.

    Listerhill Credit Union will not be responsible for incomplete, lost, late, misdirected or illegible entries or for failure to receive entries. All entries become property of Listerhill Credit Union and none will be returned. Any questions regarding the number of entries submitted shall be determined by Listerhill Credit Union in its sole discretion, and Listerhill Credit Union reserves the right to disqualify any entries by persons determined to be tampering with, violating, or abusing any aspect of the contest.

    3. Contest Entry Requirements: In the event the Credit Union, in its sole discretion, determines that any Entry contains content that does not comply with these Official Rules or does not otherwise comply with regulatory guidelines, Credit Union reserves the right to disqualify the entry.

    4. Determining the Winner: A Credit Union employee will select at random four (4) $500 winners (one per day July 12-15) and one Grand Prize Winner from all entries received on July 16, 2021. You do not have to be present to win.

    5. Prizes: $500 Cash Prize: the Credit Union will award four (4) members with $500 cash each. Grand Prize: The Credit Union will pay up to $25,000 toward your loan with Listerhill Credit Union, or combination of loans. No loan payments will be made to loans with any other lender. No cash equivalent provided, and the total prize amount may be less depending on the outstanding amount of loan balance(s) with Listerhill Credit Union. In no event will the prize awarded exceed the total amount of the winner’s outstanding balance of qualifying loans with Listerhill Credit Union. Federal, state and local taxes are the sole responsibility of the winner. IRS regulations require the Credit Union file a 1099 on behalf of the winner.

    A Credit Union employee will call the prize winners and the prize winners will be called up to five times during regular business hours at number provided on entry form and will leave no messages. Failure to reach winner during these calls may result in disqualification of winner, forfeiture of his or her interest in all prizes, and selection of a substitute winner drawn from the drum. Winner will be required to schedule a time, at least 48 hours in advance, to visit Listerhill Credit Union, located at 4790 2nd Street, Muscle Shoals AL, 35661 in person, during regular business hours within seven (7) days of being notified to claim prizes by providing proof of eligibility for prize won and completing and signing an affidavit of eligibility and a liability and publicity release. Failure of any Winner to timely contact the Credit Union, visit the above Credit Union office in person and sign and return any required affidavit and release, or to claim a prize or comply with any term or condition of these Official Rules, will result in drawing Winner's disqualification and the forfeiture of his or her interest in the prize. Winners may waive their right to receive prizes. Prizes are non-assignable and nontransferable. No substitutions allowed by winner.

    6. To be eligible to win, all loans must be in good standing (not more than 30 days past due at the time of drawing. Eligible loans are limited to auto loans (no indirect dealer loans), personal loans (no loans secured by real property, such as mortgages, 2nd mortgages, and Home Equity Lines of Credit) and recreation loans made to consumer borrowers (not business or commercial loans).

    6. Participation. By participating, entrants agree to be bound by these Official Rules and the decisions of the Contest. Except where prohibited, acceptance of any prize constitutes winner's consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. Prizes not won and claimed by eligible winners in accordance with these Official Rules will not be awarded and will remain the property of the Credit Union.

  • How do I redeem my Merchandise Rewards?

    The easiest way to redeem your Merchandise Rewards is to log into Listerhill’s Online Banking and click the “Get Info” link to the right of your credit card information. This will take you to our credit card servicing site within the same window. Select “Rewards” on the upper right side within the screen (below FICO Score) and on the next screen, click on the CURewards logo. This will automatically sign you in to be able to redeem your Merchandise Rewards points!

  • What are the benefits of becoming a Listerhill Works partner organization?

    1. Completely free program and zero liability to your company.

    2. Easy to implement – requires no additional staffing or resource allocation.

    3. Builds employee loyalty and helps your organization stand out in a competitive employment market.

    4. Encourages financially stable employees through free on-site financial workshops.

    5. Initial on-site employee orientation; re-orientations and free financial seminars available. Once signed up, our SEG partner organizations are offered a free 30-40 minute on-site orientation to educate employees about the benefits of belonging to the Listerhill Credit Union financial cooperative. This informative and helpful session gives your employees a chance to ask questions and learn about the many benefits, products and services that membership provides them. Once on board, we also offer Listerhill Works partner organizations free Lunch n’ Learn seminars for employees. Topics include creating a budget, paying for college, debt management and how to buy a home.

    6. Credit union support at benefit fairs and open enrollment.

    7. Same-day account opening – we can immediately assist your employees who would like to open an account during our visit.

    8. Free informational materials – We provide all materials at no charge, including brochures and financial wellness educational workbooks

    9. Free participation in employee benefits fairs, new employee orientation meetings and other organizational events.

    10. No hassle partnership – we do all the work!

  • How do your employees benefit from being a Listerhill Works partner?

    1. Lifetime credit union membership

    2. Competitive rates on a wide range of savings products like:

    • Share Savings
    • Money Market
    • Certificates
    • IRAs
    • My Goal Savings
    • Explorer Rewards

    3. A wide range of loan products like:

    • Auto loans
    • Personal loans
    • Recreational loans

    4. Competitive loan and savings rates.

    5. 24/7 account access with Smart ATMs, Online and Mobile Banking, or by telephone with Automated Access. The choice is yours.

    6. eStatements

    7. Overdraft protection

    8. Up to 3 overdraft refunds per year on us.

    9. First box of checks free when you open your new checking account.

    10. Free Visa debit card with rewards or a UNA Keystone Debit Card to show your #lionpride and give back to the University.

    11. Checking accounts with no minimum balance required.

    12. Interest-earning checking accounts

    13. Free Online Banking with features like:

    • Free Online Bill Pay
    • PopMoney
    • Notify Me Alerts
    • Personal Finance Manager

    14. 24/7 Access to Smart ATMS with features like:

    • Make a deposit
    • Get exact change
    • Make loan payments
    • Speak with a real, local representative

    15. Access to 5,000 CO-OP Shared Branches nationwide for easy access to your money wherever you go.

    16. Visa Platinum Cash Back card with 1% cash back on everything you buy.

    17. Visa Platinum Merchandise Rewards

    18. A full-service mortgage lending department and your mortgage stays with Listerhill for the life of the loan.

    19. A full-service financial planning department that gives you personalized, local service.

    20. Access to financial wellness education courses and information.

  • How does the Maintenance Fee contribute to Listerhill's sustainability?

    In the past, we charged a $10 Relationship Fee to help cover the cost of servicing members' accounts. We felt we could serve you better by removing this fee and establishing a lower fee based on your investment in the cooperative. Encouraging our members to save and borrow with us is key to Listerhill's sustainability, plus it creates value that it ultimately returned back to our member owners (like you!)