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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.

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HOLIDAY

All branches will be self-service only Tuesday, November 11th, for Veterans Day. Normal business hours will resume Wednesday, November 12th. Smart ATMs and Online and Mobile Banking will remain available.

Listerhill Credit Union (en-US)

Our Commitment to Community Is All About We

Improving lives in our community each and every day.

Donation & Sponsorship Requests Scholarships & Kicks for Kids
At Listerhill, It's All About We.

We are committed to doing more than offering exceptional credit union products and services. Our mission extends to making a positive impact in our community through fundraising, education, donations and scholarships. Discover more about the exciting initiatives we're leading right here in your community below.

Listerhill in the Community
Donation & Sponsorship Requests

At Listerhill, we believe that serving our members also means serving the community where they live and work.

Serving Members by Serving Community
Donation & Sponsorship Requests

Listerhill is committed to making our community better through philanthropic efforts and by being involved with local organizations. Because requests are numerous, we have implemented guidelines to help process requests. If you are seeking a donation or sponsorship, please read our guidelines and complete our Donation & Sponsorship Request form.

Make A Donation or Sponsorship Request
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Listerhill in Schools
Kicks for Kids, Endowment Scholarships and the Keystone Card

We promote education in our community by funding foundation scholarships and additional endowments for higher education students as well as by providing new shoes to kids who need them most in local elementary schools through the Listerhill Foundation's Kicks for Kids initiative.

Putting Our Best Feet Forward
Listerhill Foundation's Kicks for Kids

Every day, thousands of children around North Alabama and Central Tennessee face poverty and the result is a lack of appropriate, safe shoes. Kicks for Kids exists to raise awareness of this problem and offer real, impactful solutions to those most in need.

Learn More & Donate
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University of North Alabama
Listerhill Employees Credit Union/UNA Alumni Scholarship

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.

Learn More & Apply
University of North Alabama
Charlotte Y. and Albert E. Williams Scholarship

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.

Learn More & Apply
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Northwest Shoals Community College
Joseph Wade Scholarship

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.

Learn More & Apply
Support the Lions
UNA Keystone Debit Card

The UNA Keystone Debit Card provides you with an easy way to support the University of North Alabama. For every purchase with your Keystone Card, Listerhill will give back a portion of the purchase to UNA student, athletic and alumni programs.

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Listerhill and Financial Wellness
Listerhill's Financial Wellness Initiative and Banzai Partnership

We understand the need for financial literacy in everyday life and aims to provide initiatives and resources to help our members build brighter financial futures.

In the Classroom
Financial Wellness Classes

Balancing a budget, planning for retirement or buying your first home or car are just a few of the important financial decisions most of us have to make. That is why at Listerhill, we have developed a financial wellness initiative and several programs to empower our members and the community to become more financially literate, secure and established to make smart money moves.

Learn More About Financial Wellness
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Free Online Resource
We've Partnered with Banzai

Bringing you in-depth lessons on the financial topics you care about, Banzai is Listerhill's free financial wellness resource. It is simple to navigate, fun to use and offers lessons and exercises to boost your financial skills and understanding. Take a financial wellness assessment, set a budget, learn about credit, mortgages, the FAFSA, and more all from the convenience of your personal device.

Get Started with Banzai
© 2025 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • Do I have to be a member to apply for a fixed-rate loan?

    Yes, you need to be a Listerhill member to apply for loans. To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member.
    • 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 important is my credit history in determining whether I qualify for a loan?

    Your credit history is extremely important to lenders when deciding whether to offer you a loan, because it provides an indication of how likely you are to pay back what you owe. This helps lenders determine how much of a risk you are. Typically, the better your credit history, the less risky you appear to lenders, and the better (lower) the interest rate you are likely to be offered.

    Lenders do, however, look at other factors such as income, job stability, and existing debts. Credit unions like Listerhill are also known for taking a more holistic look at their members’ finances when deciding whether to approve a loan, rather than relying solely on the numbers.

  • What is a good down payment on a home?

    A down payment of up to 20% is considered good by many lenders. This gives you a significant stake in the property that you are borrowing money to buy. Lenders see a substantial down payment as a good indicator that you will continue to make payments because you risk losing your own money if you do not. Typically, you’ll get a lower mortgage interest rate the more money you are able to put down, although lenders do look at other factors as well.

  • What is a debt-to-income ratio?

    Your debt-to-income (DTI) ratio compares your monthly debt payments relative to your gross monthly income. Mortgage lenders use it to evaluate how well you manage debt and whether you can afford a new loan. A lower DTI generally makes it easier to qualify for mortgages and other loans. For conventional home loans, many lenders look for a DTI below 43%.

  • How much is a $300,000 mortgage payment?

    Assuming you borrowed $300,000 on a fixed 25 year mortgage loan at a current average annual percentage rate (APR), you could expect to pay about $2,120 per month (not including taxes and insurance premiums). This does not include any down payment you might make on the total purchase price of the house.

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