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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.
Time is on your side when you invest in a Listerhill Credit Union Certificate of Deposit (CD). Put in as little as $500 for a fixed period at a fixed rate and watch your money grow. The longer you choose to stay invested, the more interest you’ll earn!
Worried about getting left behind by rising rates? Our Raise-My-Rate option lets you bump up your interest rate to ensure you keep up. You’re also free to deposit amounts of $500 or more into your account at any time during your term.
Our Certificates of Deposit feature:
Select a term that suits your financial plans. You’ll know exactly how much you’ll get out and when. Terms range from 6 to 60 months.
Higher rates and guaranteed returns are within reach. Get started with a CD of your own with as little as $500.
Cash in on rising rates by locking in a one-time rate bump on any certificate we offer with the same term.
Extra cash on hand? Make the most of your savings opportunity. Add $500 or more at any time to any of our existing certificates.
It won’t cost you anything to invest in our CDs — although penalties for early withdrawal do apply if you take money out sooner.
Enjoy peace of mind with virtually risk-free investing. The federal government insures individual CD accounts up to $250,000.
Listerhill Certificates of Deposit offer a structured way to build funds towards your savings goals with higher rates than traditional savings accounts or money market accounts.
Take out your money plus interest when your certificate matures—or invest it again to continue earning. It’s the smart, no-risk way to keep your extra funds working for you.
Ready to do more with your savings? Click below to get started.
All three account types help you save in a safe, secure way, but are intended for different stages of your savings journey. A Share Savings account is the foundation of your membership and is ideal for everyday savings. A Money Market Account is designed to help your balance grow faster while keeping your money easily available. Our CDs provide a convenient, risk-free way to save for specific goals or to simply protect your savings nest egg from inflation.
Here’s how they compare:
| Feature | Certificate Account | Money Market Account | Share Savings Account |
|---|---|---|---|
| Earning Potential | Higher. Best rates offered on long-term certificates | Higher, with tiered dividend rates that increase as your balance grows | Lower, steady dividends based on average daily balance |
| How You Earn | Principal plus dividends paid out at maturity | Dividends compounded daily and paid monthly | Dividends paid quarterly |
| Access to Funds | You cannot withdraw funds without penalty until maturity. | 24/7 access via online banking, mobile app, ATMs, transfers, and shared branches | 24/7 access via online banking, mobile app, ATMs, transfers, and shared branches |
| Minimum to Open | $500 | No minimum deposit to open | $5 deposit to establish membership |
| Balance Considerations | Amounts of $500 or more can be added after opening | Balances under $2,500 may have a monthly fee; higher balances unlock better rates | $5 maintained as your share; avoidable $5 monthly fee based on account activity/criteria |
| Extra Benefits | One-time rate bump-up permitted on all accounts. | Can be used for overdraft protection; designed for higher balances and growth | Establishes membership; eligible for all credit union services; can be used for overdraft protection |
| Best For | Saving for a goal. Protecting excess funds from inflation. | Earning more on larger balances while keeping funds accessible | Everyday saving, building habits, and getting started |
| Security | Federally insured up to $250,000 by the National Credit Union Administration | Federally insured up to $250,000 by the National Credit Union Administration | Federally insured up to $250,000 by the National Credit Union Administration |
Learn how much your money can earn you in a CD. Our Certificate of Deposit Calculator lets you estimate how much your money will earn in CDs at different annual percentage yields (APYs) and over different terms. Just enter how much money you have to put in, plus any additional deposits (above $500) that you expect to be able to make while your money is invested.
1
Apply Online
Click the button below to open your CD online.
2
Choose Rate and Term
Select the best rate for a term that matches your financial goals.
3
Fund Your Account
Invest an amount of $500 or more in your CD and begin to earn dividends!
- Dan R., Spring Hill, TN
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.49% | 3.450% | $500 | 6 months |
| 3.70% | 3.650% | $500 | 12 months |
| 3.45% | 3.410% | $500 | 15 months |
| 3.44% | 3.400% | $500 | 18 months |
| 3.44% | 3.400% | $500 | 24 months |
| 3.29% | 3.250% | $500 | 36 months |
| 3.29% | 3.250% | $500 | 48 months |
| 3.55% | 3.500% | $500 | 60 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 6 months |
| APY (%) | 3.70% |
| DIV/INT Rate (%) | 3.650% |
| 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 (%) | 3.44% |
| DIV/INT Rate (%) | 3.400% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 18 months |
| APY (%) | 3.44% |
| DIV/INT Rate (%) | 3.400% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 24 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 36 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 48 months |
| APY (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| 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.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.60% | 3.550% | $250,000 | 6 months |
| 3.80% | 3.750% | $250,000 | 12 months |
| 3.56% | 3.510% | $250,000 | 15 months |
| 3.55% | 3.500% | $250,000 | 18 months |
| 3.55% | 3.500% | $250,000 | 24 months |
| 3.39% | 3.350% | $250,000 | 36 months |
| 3.39% | 3.350% | $250,000 | 48 months |
| 3.65% | 3.600% | $250,000 | 60 months |
| APY (%) | 3.60% |
| DIV/INT Rate (%) | 3.550% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 6 months |
| APY (%) | 3.80% |
| DIV/INT Rate (%) | 3.750% |
| 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 (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 18 months |
| APY (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 24 months |
| APY (%) | 3.39% |
| DIV/INT Rate (%) | 3.350% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 36 months |
| APY (%) | 3.39% |
| DIV/INT Rate (%) | 3.350% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 48 months |
| APY (%) | 3.65% |
| DIV/INT Rate (%) | 3.600% |
| 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.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.49% | 3.450% | $500 | 6 months |
| 3.70% | 3.650% | $500 | 12 months |
| 3.45% | 3.410% | $500 | 15 months |
| 3.44% | 3.400% | $500 | 18 months |
| 3.44% | 3.400% | $500 | 24 months |
| 3.29% | 3.250% | $500 | 36 months |
| 3.29% | 3.250% | $500 | 48 months |
| 3.55% | 3.500% | $500 | 60 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 6 months |
| APY (%) | 3.70% |
| DIV/INT Rate (%) | 3.650% |
| 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 (%) | 3.44% |
| DIV/INT Rate (%) | 3.400% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 18 months |
| APY (%) | 3.44% |
| DIV/INT Rate (%) | 3.400% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 24 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 36 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 48 months |
| APY (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| 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.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.70% | 3.650% | $500 | 12 months |
| 3.29% | 3.250% | $500 | 36 months |
| 3.55% | 3.500% | $500 | 60 months |
| APY (%) | 3.70% |
| DIV/INT Rate (%) | 3.650% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 12 months |
| APY (%) | 3.29% |
| DIV/INT Rate (%) | 3.250% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 36 months |
| APY (%) | 3.55% |
| DIV/INT Rate (%) | 3.500% |
| 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.
Credit Unions are not-for-profit financial institutions run on behalf of their members, rather than outside shareholders. All additional profits are returned to members in the form of better rates on loans and investments, lower fees, and fewer charges. As a result, credit union Certificate of Deposit rates are often higher than those offered by commercial banks. Certificates of Deposits from credit unions also often offer higher APYs and reduced fees or charges. Listerhill Credit Union CDs, for example, include no service fees on our wide range of CD offerings.
The exact amount depends on the annual percentage yield (APY) offered by your financial institution and the term you choose.
As a general example, a $10,000 CD held for six months could earn approximately:
Because CDs earn interest based on a fixed rate over a set term, your actual earnings will vary depending on the APY and your institution's compounding frequency (daily, monthly, or annually).
At your maturity date, your share certificate stops earning its fixed rate, and your term ends. You can choose to take your money out without penalty during a withdrawal window or reinvest it in a new CD. Your principal plus earnings will be paid into the Listerhill account you elect. If you do nothing, Listerhill will automatically renew the amount for a similar term.
The main disadvantage of most CD accounts is that your money is inaccessible for the period that it is invested. Taking your money out at this time will reduce earnings and will incur early withdrawal penalties.
Yes, money in a CD account is guaranteed by the federal government through the National Credit Union Administration (NCUA) up to a maximum of $250,000 per account, making it one of the safest investments you can make.
Yes, you do need to be a Listerhill Credit Union member to apply for a CD account. To qualify for membership with Listerhill, you must meet one of the following requirements:
Get the best of both worlds: earn great interest on your savings with competitive rates and daily compounding, while keeping your cash within easy reach.
Make the most of your cash on hand. Earn generous interest on your spending money with our dividend-paying checking account.
Save for a more secure future with our tax-efficient retirement accounts. Choose between regular and Roth options and a range of investment choices.
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.
Answer a few questions and we will find a solution that works for you. It only takes a few seconds.
Setting up a travel notification tells Listerhill that you will be using your card overseas or in a different state. By informing us ahead of time, you’ll make sure that legitimate transactions using your credit or debit card are not blocked, so you’ll always have access to your money.
Unlike regular paper statements, eStatements are available instantly. There’s no chance they will get lost in the mail, and you do not need to worry about misplacing them — they’re always available online. They’re also searchable, which makes it easier to find specific transactions. In addition, eStatements save paper, making them more cost-effective and environmentally friendly.
No, while you can track card activity using Online and Mobile Banking, you currently need to use the LCU Card App to set up card alerts and notifications. This functionality will be coming soon to Listerhill’s Online and Mobile Banking services.
Yes, the LCU Card App is designed to allow you to monitor and manage multiple cards, including both credit and debit cards.
Listerhill Online and Mobile Banking lets you access information about your card balances and transactions (once you have added your card details). The LCU Card App also lets you track card spending, but also allows you to add notifications and alerts, enable transaction alerts, view recent and pending transactions, and instantly lock or unlock cards.