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Financial Wellness

Financial education is an important piece of Listerhill's mission of improving lives.

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.

What we do
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School Events

On high school and college campuses across throughout our community, Listerhill host events such as our popular Game of Life event where students go through a simulation of "real world" budget building. At the end of the game, each student gets a one-on-one debrief with one of our Financial Wellness experts. This gives students a peak into what their financial life may look like after school while reinforcing the importance of saving and spending responsibly.

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In the Classroom

In classrooms across northwest Alabama and south central Tennessee, Listerhill is teaching high school and college students the financial basics and the importance of good money management in a fun a relevant way. Whether it's a simple 1-hour course or a week long study, we can provide the tools and expertise needed to engage students in financial wellness.

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In the Workplace

Give your employees the peace of mind they need. We can provide the tools and information your employees need to achieve financial success. Contact us to schedule a workshop with your organization or company.

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Balance: Financial Fitness Program

We’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget managing spending and debt.

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Meet our Director of Financial Wellness
Tosha-Paige Whitten

Tosha-Paige is Listerhill's Director of Financial Wellness. She has been serving members and improving lives in our communities for over 6 years. 

Get in touch with our Director of Financial Wellness

Whether you are a student looking to consult with Tosha-Paige about your own financial wellness or faculty looking to supplement financial education into your organization, fill out this form to get in touch. 

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Frequently Asked Questions

  • What is a land loan?

    A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land. 

    Once you’re ready to build, you can secure a different type of loan to cover construction costs.

  • Who is a HELOC best for?

    If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.

  • Who is a Home Equity Loan best for?

    If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.

  • What can home equity loans be used for?

    Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks.  If you can dream it, you can achieve it!

  • What type of requirements exist for home equity loans?

    Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.