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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.
Getting a lower rate is the crux of refinancing your auto loan. But did you know there’s more to be gained when you refinance? We can help you get more than the low rates you’re looking for, we can help you gain flexibility, convenience and more with our auto refinancing options.
When you refinance, you can tap into these competitive features:
Borrow up to 100% of the vehicle's cost. This gives you access to the ride you truly want.
Apply for an Auto Loan in the way you find most convenient: online, in a branch, telephone, or complete it all on-site at a participating dealership.
Pay at a pace that is right for you with terms up to 75 months.
As a nonprofit cooperative, we keep our loan rates low by returning profits to our members in the form of better rates.
Ever.
Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.
| Loans | APR as low as | Maximum Term |
|---|---|---|
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 2.99% | 36 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 2.99% | 66 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 3.29% | 75 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 4.04% | 84 months |
| Previous 3 Years and up - More Than 30,000 miles | 2.99% | 66 months |
| Previous 3 Years and up - More Than 30,000 miles | 3.29% | 72 months |
| Used Auto (4-6 years old) | 3.49% | 66 months |
| Used Auto (7-24 Years) | 4.74% | 54 months |
| Antique Automobiles (25 yrs old) | 5.25% | 48 months |
| Rebuilt Automobiles | 5.25% | Terms based on year |
All rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply; All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. APR = Annual Percentage Rate.
Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.
In the event of an emergency, safeguard your family through optional loan payment protection.
We can help you protect every part of your investment. Prevent from owing more than the vehicle is worth in the unfortunate event of an accident with GAP coverage.
We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.
Most auto refinancing options focus solely on lowering interest rates but we offer more than that. With us, you get low rates plus additional features, like no fees and flexible terms. Take advantage now to refinance up to 100% of your car’s value today.
You can choose to apply your Cash Rewards as a statement credit or have the balance deposited into your Listerhill Share Savings Account. You may do so whenever you have a Cash Rewards balance (minimum of $5) in your CURewards account.
To qualify for membership with Listerhill, you must meet one of the following requirements:
You can qualify for membership by being a family member of a current or potential Listerhill member.
If you do not live, attend school, own property, or work in the qualifying counties (listed above), you can become a member by joining an approved association (at no cost to you) if you reside in Alabama, Georgia, or Tennessee.
You must live, attend school, own property, or work in qualifying counties: