Certificates

Save and earn, without surprises, on your own terms.

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.

Product Features
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 90 days to 6 years.

Low Minimum Deposits

As little as $500 can get you started.

Certificate Rates

Certificates

Type DIV/INT APY Minimum
90 Days 0.15% 0.15% $500
6 months 0.200% 0.20% $500
12 months 0.300% 0.30% $500
18 months 0.350% 0.35% $500
24 months 0.450% 0.45% $500
30 months 0.500% 0.50% $500
36 months 0.600% 0.60% $500
48 months 0.700% 0.70% $500
60 months 0.750% 0.75% $500
72 months 0.750% 0.75% $500
Effective 9/25/2020 - 10/1/2020

Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Monthly 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 0.300% 0.30% $500
36 Months 0.600% 0.60% $500
60 Months 0.750% 0.75% $500
Effective 9/25/2020 - 10/1/2020

The compound interest earned with this certificate can be calculated monthly or quarterly.

Additional Questions?

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.

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Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

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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.
Products this member has used:
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.
Products this member has used:
How IRAs Help You Retire On Your Own Terms

Save more for retirement with an Individual Retirement Account (IRA). It’s a managed investment account, like a mutual fund, that will grow your wealth so you can enjoy your retirement.

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Frequently Asked Questions

  • Is it better to refinance with a credit union?

    In many situations, yes. Refinancing with a credit union can allow you to secure lower interest rates, flexible qualifications, and credit counseling to support you in being financially prepared to qualify and successfully maintain your mortgage.

  • Does it matter who your mortgage is with?

    Yes because choosing the right lender for your home loan or refinance can lead to a better transaction overall. This is especially important if you are a first time homebuyer or attempting to qualify under special circumstances.

  • Is a credit union better for mortgages?

    Securing a mortgage through a credit union is preferable for many seeking to purchase a new home or refinance.  Credit unions often offer more competitive mortgage rates in Alabama and are more flexible with their terms and conditions. 

  • What if I need help using the app?

    To get answers to your questions about the app, you can give one of our customer service representatives a call at 800-239-6033

  • How do I register for the credit card app?

    First, you want to download the app from the iTunes or Google Play store. Then you can register your card from your phone. You will need to create a user ID and password and answer security questions.