With a Certificate, 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.
Rest easy knowing your account is federally insured up to $250,000.
Although, early withdrawal penalties apply.
Terms range from 12 to 60 months.
As little as $500 can get you started.
| Type | DIV/INT | APY | Minimum |
|---|---|---|---|
| 12 months | 0.200% | 0.20% | $500 |
| 18 months | 0.250% | 0.25% | $500 |
| 24 months | 0.350% | 0.35% | $500 |
| 36 months | 0.500% | 0.50% | $500 |
| 48 months | 0.550% | 0.55% | $500 |
| 60 months | 0.650% | 0.65% | $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.
| Type | DIV/INT Rate | APY | Minimum |
|---|---|---|---|
| 12 Months | 0.200% | 0.20% | $500 |
| 36 Months | 0.500% | 0.50% | $500 |
| 60 Months | 0.650% | 0.65% | $500 |
The compound interest earned with this certificate will be calculated quarterly.
Listerhill has been 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.
A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land.
Once you’re ready to build, you can secure a different type of loan to cover construction costs.
If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.
If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.
Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks. If you can dream it, you can achieve it!
Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.