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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 12 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.
| Type | DIV/INT | APY | Minimum |
|---|---|---|---|
| 6 Months | 5.150% | 5.25% | $500 |
| 12 Months | 4.670% | 4.75% | $500 |
| 15 Months | 4.330% | 4.40% | $500 |
| 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 |
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.
| Type | DIV/INT | APY | Minimum |
|---|---|---|---|
| 6 months | 5.400% | 5.51% | $250,000 |
| 12 months | 4.920% | 5.01% | $250,000 |
| 15 month | 4.580% | 4.66% | $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 |
*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.
| Type | DIV/INT Rate | APY | Minimum |
|---|---|---|---|
| 6 Months | 5.150% | 5.25% | $500 |
| 12 Months | 4.670% | 4.75% | $500 |
| 15 Months | 4.330% | 4.40% | $500 |
| 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 |
*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.
| Type | DIV/INT Rate | APY | Minimum |
|---|---|---|---|
| 12 Months | 4.670% | 4.75% | $500 |
| 36 Months | 2.950% | 2.98% | $500 |
| 60 Months | 2.850% | 2.88% | $500 |
*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.
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.
If you are not sure what kind of interest your loan has, check your loan documents or contact your lender.
(Source: Banzai)
It depends on what you need! If you are saving money in an account or being repaid for a loan, compound interest may be a good choice for you.
If you are borrowing money, you may be able to pay less over time with simple interest.
(Source: Banzai)
The simplest way to calculate interest is to use an online savings calculator like this one. But if you want to do the math yourself, you can plug your information into the compound interest formula of A = P (1 + r/n)^(nt).
(Source: Banzai)
Compound interest means that the money you earn in interest also earns interest, rather than just the principal. Basically, the amount of interest you earn will grow every time interest is added (or compounded) rather than staying the same. This makes it ideal for savings accounts. The formula for calculating compound interest is A = P (1 + r/n)^(nt). The variables for this formula are:
(Source: Banzai)
Interest rates vary greatly depending on the type of account, supply and demand, and what the Federal Reserve sets. For a typical savings account, you could expect anywhere from 0.01-0.08%. For a high yield savings account, on the other hand, it’s not uncommon to see interest rates of 0.2%-0.6%. A CD (certificate of deposit) can earn 0.07-1.2%, or even higher, depending on the length and financial institution.
(Source: Banzai)