Skip to Content

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.

Open A Certificate
Open an Account
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 12 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.

default icon for

Certificate Rates

Certificates

Type DIV/INT APY Minimum
12 Months 2.700% 2.73% $500
15 Months* 4.670% 4.75% $10,000
18 Months 3.500% 3.55% $500
24 Months 3.350% 3.39% $500
36 Months 2.950% 2.98% $500
48 Months 2.850% 2.88% $500
60 Months 2.850% 2.88% $500
Effective 2/17/23

Annual Percentage Yield (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. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) is subject to change at any time.

*4.67% is the dividend rate; Annual Percentage Yield is 4.75%. Rate accurate as of 2/17/23. Limited time only. A $10,000 deposit from funds outside of an existing account at Listerhill Credit Union into a Listerhill deposit account is required to receive the 4.67% CD rate. Federally Insured by NCUA.

Jumbo Certificates

Type DIV/INT APY Minimum
12 months 2.950% 2.98% $250,000
18 months 3.750% 3.80% $250,000
24 months 3.600% 3.65% $250,000
36 months 3.200% 3.24% $250,000
48 months 3.100% 3.14% $250,000
60 months 3.100% 3.14% $250,000
Effective 2/17/23

*Annual Percentage Yield (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. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) is subject to change at any time.

IRA Certificates

Type DIV/INT Rate APY Minimum
12 Months 2.700% 2.73% $500
15 Months* 4.670% 4.75% $10,000
18 Months 3.500% 3.55% $500
24 Months 3.350% 3.39% $500
36 Months 2.950% 2.98% $500
48 Months 2.850% 2.88% $500
60 Months 2.850% 2.88% $500
Effective 2/17/23

*Annual Percentage Yield (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. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) is subject to change at any time.

*4,67% is the dividend rate; Annual Percentage Yield is 4.75%. Rate accurate as of 2/17/23. Limited time only. A $10,000 deposit from funds outside of an existing account at Listerhill Credit Union into a Listerhill deposit account is required to receive the 4.67% CD rate. Federally Insured by NCUA.

Roth IRA Certificates

Type DIV/INT Rate APY Minimum
12 Months 2.700% 2.73% $500
36 Months 2.950% 2.98% $500
60 Months 2.850% 2.88% $500
Effective 5/26/23 - 6/1/23

*Annual Percentage Yield (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. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) is subject to change at any time.

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
New Raise-My-Rate CD Option

Listerhill Credit Union is now offering a new optional feature to all available certificates — the raise-my-rate option. What does this mean for your certificate or the certificate you've been conside...

Read
6 Ways You Can Save on Food Costs

Whether you're a college student or an individual keeping busy with a job or other responsibilities, your mind might be preoccupied with many other things above what you're going to eat next. Many of ...

Read
default-icon for Brenda W
default-icon for Russel D
default-icon for John D
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.

default icon for Solution Finder Intro
What can we help you with?
default icon for Checking For Mature Members
What are you borrowing for?
default icon for Checking For Mature Members
Vehicle Options
default icon for Checking For Mature Members
Home Options
default icon for Carrolls
What are you saving for?
default icon for Carrolls
How old are your kids?
default icon for Cord
Which of these banking options are you interested in?
default icon for Cord
How old are you (or your child)?
default icon for Cord
How old are you?
default icon for Cord
What kind of account are you looking for?
search popup background

What are you looking for?

Common Links

Frequently Asked Questions

  • What is the Listerhill Credit Union service area?

    We offer membership to people who live, work, worship, or attend school in northwest Alabama and south-central Tennessee. Community donations are available to nonprofits based within these areas.

  • What kinds of causes do you tend to support?

    We aim to support a wide range of non-profit organizations that are contributing to community development and enrichment in our focus areas. Your nonprofit may be eligible to receive a donation for things like improving schools, boosting economic development, helping underserved communities with food or clothing, or even providing affordable housing.

  • When should I submit my request for community donations?

    Requests must be submitted at least two weeks in advance of the time when you need the funds or prior to the event you are fundraising for.

    This is because our socially responsible investment strategy requires that we have time to go over each request and make sure we are using the credit union's community donations in the most impactful way.

  • I'm having technical difficulties. Who should I contact?

    Please contact us at listerhill.com/support, using our chat bubble in the bottom right corner or by calling us at 256-383-9204 for assistance.

  • Can I use ClickSWITCH to switch my bill payments?

    Since bill payments are not automatically recurring, you're not able to use ClickSWITCH for them.