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Not a member yet?

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.

Certificates

CDs to fit your savings goal and the tools to help you do it.

With a Certificate, or CD, you will earn a guaranteed, fixed rate of return with a fixed date of withdrawal. The longer you choose to save, the more interest you can earn — no matter how Wall Street's doing.

With fast-earning features like Raise-My-Rate bump option, anytime CD deposit, and premium interest rates, Listerhill's certificates are the best anywhere. Apply in less than 10 minutes with our fast online application.

Not a member yet?

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.

Open A Certificate

Not a member yet?

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.

Product Features
Raise-My-Rate Option

Cash in on rising rates by locking in a one-time rate bump on any certificate we offer with the same term.

Anytime CD Deposit

Deposit $500 or more at any time to any existing certificate.

Low Minimum Deposit

As little as $500 can get you started.

Insured by NCUA

Rest easy knowing your account is federally insured up to $250,000.

No Service Charges

Although, early withdrawal penalties apply.

Your Choice of Terms

Terms range from 6 to 60 months.

Speedy Application

Apply for your account in 10 minutes or less with our quick, easy online application.

Raise-My-Rate Feature

Cash in on rising rates with Listerhill's raise-my-rate option. Raise-my-rate is a one-time bump option on all certificates allowing members to readjust the interest rate of their existing certificate to the current offered rate for the same term. With a simple phone call, members can start earning more from their certificates without extending the term or paying a fee.

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Standard Certificates

Effective 6/20/25 - 6/26/25
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.40% 3.360% $500 6 months
3.45% 3.410% $500 12 months
3.45% 3.410% $500 15 months
3.49% 3.450% $500 18 months
3.49% 3.450% $500 24 months
3.49% 3.450% $500 36 months
3.60% 3.550% $500 48 months
3.65% 3.600% $500 60 months
APY (%) 3.40%
DIV/INT Rate (%) 3.360%
Minimum Opening Deposit $500
Term (Months) 6 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 12 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 15 months
APY (%) 3.49%
DIV/INT Rate (%) 3.450%
Minimum Opening Deposit $500
Term (Months) 18 months
APY (%) 3.49%
DIV/INT Rate (%) 3.450%
Minimum Opening Deposit $500
Term (Months) 24 months
APY (%) 3.49%
DIV/INT Rate (%) 3.450%
Minimum Opening Deposit $500
Term (Months) 36 months
APY (%) 3.60%
DIV/INT Rate (%) 3.550%
Minimum Opening Deposit $500
Term (Months) 48 months
APY (%) 3.65%
DIV/INT Rate (%) 3.600%
Minimum Opening Deposit $500
Term (Months) 60 months

Standard Certificate APY assumes interest remains on deposit until maturity. Quarterly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Jumbo Certificates

Effective 6/20/25 - 6/26/25
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.51% 3.460% $250,000 6 months
3.56% 3.510% $250,000 12 months
3.56% 3.510% $250,000 15 months
3.60% 3.550% $250,000 18 months
3.60% 3.550% $250,000 24 months
3.60% 3.550% $250,000 36 months
3.70% 3.650% $250,000 48 months
3.75% 3.700% $250,000 60 months
APY (%) 3.51%
DIV/INT Rate (%) 3.460%
Minimum Opening Deposit $250,000
Term (Months) 6 months
APY (%) 3.56%
DIV/INT Rate (%) 3.510%
Minimum Opening Deposit $250,000
Term (Months) 12 months
APY (%) 3.56%
DIV/INT Rate (%) 3.510%
Minimum Opening Deposit $250,000
Term (Months) 15 months
APY (%) 3.60%
DIV/INT Rate (%) 3.550%
Minimum Opening Deposit $250,000
Term (Months) 18 months
APY (%) 3.60%
DIV/INT Rate (%) 3.550%
Minimum Opening Deposit $250,000
Term (Months) 24 months
APY (%) 3.60%
DIV/INT Rate (%) 3.550%
Minimum Opening Deposit $250,000
Term (Months) 36 months
APY (%) 3.70%
DIV/INT Rate (%) 3.650%
Minimum Opening Deposit $250,000
Term (Months) 48 months
APY (%) 3.75%
DIV/INT Rate (%) 3.700%
Minimum Opening Deposit $250,000
Term (Months) 60 months

Jumbo Certificate APY assumes interest remains on deposit until maturity. Quarterly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

IRA Certificates

Effective 6/20/25 - 6/26/25
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.40% 3.360% $500 6 months
3.45% 3.410% $500 12 months
3.45% 3.410% $500 15 months
3.49% 3.450% $500 18 months
3.49% 3.450% $500 24 months
3.49% 3.450% $500 36 months
3.60% 3.550% $500 48 months
3.65% 3.600% $500 60 months
APY (%) 3.40%
DIV/INT Rate (%) 3.360%
Minimum Opening Deposit $500
Term (Months) 6 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 12 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 15 months
APY (%) 3.49%
DIV/INT Rate (%) 3.450%
Minimum Opening Deposit $500
Term (Months) 18 months
APY (%) 3.49%
DIV/INT Rate (%) 3.450%
Minimum Opening Deposit $500
Term (Months) 24 months
APY (%) 3.49%
DIV/INT Rate (%) 3.450%
Minimum Opening Deposit $500
Term (Months) 36 months
APY (%) 3.60%
DIV/INT Rate (%) 3.550%
Minimum Opening Deposit $500
Term (Months) 48 months
APY (%) 3.65%
DIV/INT Rate (%) 3.600%
Minimum Opening Deposit $500
Term (Months) 60 months

IRA Certificate APY assumes interest remains on deposit until maturity. Quarterly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Roth IRA Certificates

Effective 6/20/25 - 6/26/25
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.45% 3.410% $500 12 months
3.49% 3.450% $500 36 months
3.65% 3.600% $500 60 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 12 months
APY (%) 3.49%
DIV/INT Rate (%) 3.450%
Minimum Opening Deposit $500
Term (Months) 36 months
APY (%) 3.65%
DIV/INT Rate (%) 3.600%
Minimum Opening Deposit $500
Term (Months) 60 months

Roth IRA Certificate APY assumes interest remains on deposit until maturity. Quarterly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

When to Start Saving For Retirement

Wondering when to start saving for retirement? While it’s never too late to start saving, ensuring you will have enough money to retire is a lot easier if you start early.

Read
How to Save for an Emergency

If you've used up your emergency funds to survive prolonged unemployment, an unexpected large expense or a medical emergency, or you're just starting to build savings from scratch, we have some tips f...

Read
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Brenda W
Member Since 1992
I love the ATM. You can complete more than one transaction without having to start over. When you need to withdraw, instead of getting $500 in twenty dollar bills, you can now choose what bills you want. I love it.
Products this member has used:
Russel D
Member Since 1995
I’ve been a member for years and have used online bill pay for years and its always worked out well for me. Customer service has been very good anytime I call the local office or long distance.
John D
Member Since 1997
I am very happy with my Listerhill account. Deposits are credited immediately, service is usually friendly and efficient, there is no long list of hidden fees and I feel like a properly valued customer.
Additional Questions?

Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

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Frequently Asked Questions

  • What happens when federally insured credit unions merge?

    If a member has accounts in credit union A and credit union B, and credit union A merges into credit union B, accounts of credit union A continue to be insured separately from the share deposits of credit union B for six months after the date of the merger or, in the case of a share certificate, the earliest maturity date after the six-month period. In the case of a share certificate that matures within the six-month grace period that is renewed at the same dollar amount, either with or without accrued dividends having been added to the principal amount, and for the same term as the original share certificate, the separate insurance applies to the renewed share certificate until the first maturity date after the six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.

  • What happens if a federally insured credit union is liquidated?

    The NCUA would either transfer the insured member's account to another federally insured credit union or give the federally insured member a check equal to their insured account balance. This includes the principal and posted dividends through the date of the credit union's liquidation, up to the insurance limit.

  • If a credit union is liquidated, what is the timeframe for payout of the funds that are insured if the credit union cannot be acquired by another credit union?

    Federal law requires the NCUA to make payments of insured accounts "as soon as possible" upon the failure of a federally insured credit union. While every credit union failure is unique, there are standard policies and procedures that the NCUA follows in making share insurance payments. Historically, insured funds are available to members within just a few days after the closure of an insured credit union.

  • What happens to members with uninsured shares?

    Members who have uninsured shares may recover a portion of their uninsured shares, but there is no guarantee that they will recover any more than the insured amount. The amount of uninsured shares they may receive, if any, is based on the recovery of the failed credit union's assets. Depending on the quality and value of these assets, it may take several years to conclude recovery on all the assets. As recoveries are made, uninsured account holders may receive periodic payments on their uninsured shares claim.

  • What happens to my direct deposits if a federally insured credit union is liquidated?

    If a liquidated credit union is acquired by another federally insured credit union, all direct deposits, including Social Security checks or paychecks delivered electronically, will be automatically deposited into your account at the assuming credit union. If the NCUA cannot find an acquirer for the liquidated credit union, the NCUA will advise members to make new arrangements.