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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.
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.
Cash in on rising rates by locking in a one-time rate bump on any certificate we offer with the same term.
Deposit $500 or more at any time to any existing certificate.
As little as $500 can get you started.
Rest easy knowing your account is federally insured up to $250,000.
Although, early withdrawal penalties apply.
Terms range from 6 to 60 months.
Apply for your account in 10 minutes or less with our quick, easy online application.
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.
| 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.
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.
*Annual Percentage Yield. APY effective as of 8/15/25. Minimum $500 deposit to open and earn stated APY. Early withdrawal penalties apply. Fees may reduce earnings. Federally insured by NCUA.
Not at all. Those services remain unchanged.
We can verify your identity and easily reset it for you.
Absolutely. Our Support team are still available just as before - the new system simply connects you to them more quickly and securely.
Our Support team can help you set it up during your first call to the new system, OR you can call Automated Access at 256-381-5555 to set it up anytime.
A four-digit code that verifies your identity when you call. It also lets you use our Automated Access service 24/7, 365 days a year.