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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.

Product Features
Raise-My-Rate Option

Cash in on rising rates by locking in a one-time rate bump option on any certificate we offer.

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.

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Promotional Certificates Rates

Type DIV/INT APY Minimum
24 months 3.00% 3.034% $500
36 months 3.00% 3.034% $500
48 months 3.00% 3.034% $500
60 months 3.00% 3.034% $500
Effective 6/15/22

Limited time only. Available in-branch only. A $15,000 deposit from funds outside of an existing account at Listerhill Credit Union into a Listerhill deposit account is required to receive the promotional CD rate.

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.

Certificate Rates

Certificates

Type DIV/INT APY Minimum
12 months 1.200% 1.21% $500
18 months 1.250% 1.26% $500
24 months 2.050% 2.07% $500
36 months 2.300% 2.32% $500
48 months 2.350% 2.37% $500
60 months 2.450% 2.47% $500
Effective 7/1/22 - 7/7/22

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.

Jumbo Certificates

Type DIV/INT APY Minimum
12 months 1.45% 1.46% $250,000
18 months 1.50% 1.51% $250,000
24 months 2.30% 2.32% $250,000
36 months 2.55% 2.57% $250,000
48 months 2.60% 2.63% $250,000
60 months 2.70% 2.73% $250,000
Effective 6/15/22

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.

IRA Certificates (Includes Roth)

Type DIV/INT Rate APY Minimum
12 Months 1.200% 1.21% $500
18 Months 1.250% 1.26% $500
24 Months 2.050% 2.07% $500
36 Months 2.300% 2.32% $500
48 Months 2.350% 2.37% $500
60 Months 2.450% 2.47% $500
Effective 7/1/22 - 7/7/22

The compound interest earned with this certificate will be calculated quarterly.

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...

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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.

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Frequently Asked Questions

  • What if I get an error message when I try to enroll an email address or U.S. mobile number?

    Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our member support team at 256.383.9204 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.

    Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle® through your Listerhill Credit Union banking app and online banking. Please call our member support team at 256.383.9204 for help.

  • Is my information secure?

    Keeping your money and information safe is a top priority for Listerhill Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

  • I'm unsure about using Zelle® to pay someone I don't know. What should I do?

    If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.

    These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Listerhill Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

  • Will the person I send money to be notified?

    Yes! They will receive a notification via email or text message.

  • How long does it take to receive money with Zelle®?

    Money sent with Zelle® is typically available to an enrolled recipient within minutes.3

    If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.3

    If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

    If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

    Still having trouble? Please contact our member support team at 256.383.9204.