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.

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.

As a nonprofit financial cooperative, we help our members play an active role in their finances, encouraging them to save and borrow money with us which is key to Listerhill’s sustainability, creating value that is ultimately returned to member-owners like you! In the past, we charged a $10 relationship fee that helped cover the costs of servicing member accounts. We felt we could serve you better, so we replaced the relationship fee with a new $5 maintenance fee based on your investment in the cooperative.

You can avoid the new $5 Maintenance Fee entirely when you meet just one of the following requirements:

• You or someone in your household has had a current Listerhill loan or mortgage within the last 12 months

• You or someone in your household has an open Listerhill credit card

• You or someone in your household has an aggregate average daily balance of $1,000 in your accounts

• You or someone in your household has a relationship with our Listerhill Financial Services department

• You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month

• You are under the age of 25

• Your account is less than 90 days old

• You have paid a Return Mail Fee or an Inactive Account Fee for the month

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!)

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.

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!

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!