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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.

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 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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Certificate Rates

Certificates

Type DIV/INT APY Minimum
12 Months 2.600% 2.63% $500
18 Months 4.500% 4.58% $500
24 Months 3.250% 3.29% $500
36 Months 2.850% 2.88% $500
48 Months 2.750% 2.78% $500
60 Months 2.750% 2.78% $500
Effective 2/3/23 - 2/9/23

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.

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

Type DIV/INT Rate APY Minimum
12 Months 2.600% 2.63% $500
18 Months 4.500% 4.58% $500
24 Months 3.250% 3.29% $500
36 Months 2.850% 2.88% $500
48 Months 2.750% 2.78% $500
60 Months 2.750% 2.78% $500
Effective 2/3/23 - 2/9/23

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

Roth IRA Certificates

Type DIV/INT Rate APY Minimum
12 Months 2.600% 2.63% $500
36 Months 2.850% 2.88% $500
60 Months 2.750% 2.78% $500
Effective 2/3/23 - 2/9/23

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

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.

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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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Common Links

Frequently Asked Questions

  • How do I connect my additional Listerhill account(s) in Online Banking?

    In order to add an additional Listerhill account in Online Banking, please:

    1. Log in to Online Banking through our website.
    2. Click the Accounts tab at the top.
    3. Click “Connect An Account”
    4. To add a Listerhill Account, click “Listerhill Credit Union Account”.
    5. Enter the appropriate information on this screen and select the appropriate account type.
      1. Account Number.
      2. Nickname the Account.
      3. Select the Account Type.
        1. Share Draft – Checking
        2. Share – Savings
        3. Share Certificate – CD
        4. IRA
        5. Line of Credit
        6. Loan
        7. Credit Card
      4. Check the box for Bill Pay if desired.

    Once finished, the new account will be added by the next business day.

  • How do I connect my credit card(s) in Online Banking?

    In order to add a new credit card in Online Banking, please:

    1. Log in to Online Banking through our website.
    2. Click the Accounts tab at the top.
    3. Click “Connect An Account”
    4. To add a credit card, click “Listerhill Credit Union Account”.
    5. Enter the appropriate information on the screen and select the appropriate account type.
      1. Account Number.
      2. Nickname the Account.
      3. Select the Account Type.
        1. Share Draft – Checking
        2. Share – Savings
        3. Share Certificate – CD
        4. IRA
        5. Line of Credit
        6. Loan
        7. Credit Card
      4. Check the Box for Bill Pay if desired.

    Once finished, the new card will be added by the next business day.

  • What if I had merchandise points?

    Cashbackmall will be available for redemption on 9/1/22 for cards converting to cash back rewards from merchandise points.

  • Who is eligible for Cash Back Rewards?

    Cash Back Rewards are available for Listerhill Signature Credit Cards. Signature credit cards require a limit of $5,000 or greater.

  • How much do I get back in Cash Rewards?

    Cash Back Rewards are calculated at 2% on purchases. Cash Advances and Balance Transfers do not earn Cash Back Rewards.