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Not a member yet?

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.

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.

Not a member yet?

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.

Open A Certificate

Not a member yet?

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.

Product Features
Raise-My-Rate Option

Cash in on rising rates by locking in a one-time rate bump on any certificate we offer with the same term.

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 6 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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Standard Certificates

Effective 2/14/25 - 2/20/25
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.75% 3.700% $500 6 months
3.75% 3.700% $500 12 months
3.75% 3.700% $500 15 months
3.66% 3.610% $500 18 months
3.45% 3.410% $500 24 months
3.45% 3.410% $500 36 months
3.45% 3.410% $500 48 months
3.45% 3.410% $500 60 months
APY (%) 3.75%
DIV/INT Rate (%) 3.700%
Minimum Opening Deposit $500
Term (Months) 6 months
APY (%) 3.75%
DIV/INT Rate (%) 3.700%
Minimum Opening Deposit $500
Term (Months) 12 months
APY (%) 3.75%
DIV/INT Rate (%) 3.700%
Minimum Opening Deposit $500
Term (Months) 15 months
APY (%) 3.66%
DIV/INT Rate (%) 3.610%
Minimum Opening Deposit $500
Term (Months) 18 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 24 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 36 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 48 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 60 months

Standard Certificate 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. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Jumbo Certificates

Effective 2/14/25 - 2/20/25
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.91% 3.850% $250,000 6 months
3.91% 3.850% $250,000 12 months
3.91% 3.850% $250,000 15 months
3.81% 3.760% $250,000 18 months
3.61% 3.560% $250,000 24 months
3.61% 3.560% $250,000 36 months
3.61% 3.560% $250,000 48 months
3.61% 3.560% $250,000 60 months
APY (%) 3.91%
DIV/INT Rate (%) 3.850%
Minimum Opening Deposit $250,000
Term (Months) 6 months
APY (%) 3.91%
DIV/INT Rate (%) 3.850%
Minimum Opening Deposit $250,000
Term (Months) 12 months
APY (%) 3.91%
DIV/INT Rate (%) 3.850%
Minimum Opening Deposit $250,000
Term (Months) 15 months
APY (%) 3.81%
DIV/INT Rate (%) 3.760%
Minimum Opening Deposit $250,000
Term (Months) 18 months
APY (%) 3.61%
DIV/INT Rate (%) 3.560%
Minimum Opening Deposit $250,000
Term (Months) 24 months
APY (%) 3.61%
DIV/INT Rate (%) 3.560%
Minimum Opening Deposit $250,000
Term (Months) 36 months
APY (%) 3.61%
DIV/INT Rate (%) 3.560%
Minimum Opening Deposit $250,000
Term (Months) 48 months
APY (%) 3.61%
DIV/INT Rate (%) 3.560%
Minimum Opening Deposit $250,000
Term (Months) 60 months

Jumbo Certificate 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. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

IRA Certificates

Effective 2/14/25 - 2/20/25
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.75% 3.700% $500 6 months
3.75% 3.700% $500 12 months
3.75% 3.700% $500 15 months
3.66% 3.610% $500 18 months
3.45% 3.410% $500 24 months
3.45% 3.410% $500 36 months
3.45% 3.410% $500 48 months
3.45% 3.410% $500 60 months
APY (%) 3.75%
DIV/INT Rate (%) 3.700%
Minimum Opening Deposit $500
Term (Months) 6 months
APY (%) 3.75%
DIV/INT Rate (%) 3.700%
Minimum Opening Deposit $500
Term (Months) 12 months
APY (%) 3.75%
DIV/INT Rate (%) 3.700%
Minimum Opening Deposit $500
Term (Months) 15 months
APY (%) 3.66%
DIV/INT Rate (%) 3.610%
Minimum Opening Deposit $500
Term (Months) 18 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 24 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 36 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 48 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 60 months

IRA Certificate 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. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Roth IRA Certificates

Effective 2/14/25 - 2/20/25
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.75% 3.700% $500 12 months
3.45% 3.410% $500 36 months
3.45% 3.410% $500 60 months
APY (%) 3.75%
DIV/INT Rate (%) 3.700%
Minimum Opening Deposit $500
Term (Months) 12 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 36 months
APY (%) 3.45%
DIV/INT Rate (%) 3.410%
Minimum Opening Deposit $500
Term (Months) 60 months

Roth IRA Certificate 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. APY and APR are subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

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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 can I avoid overdraft fees?

    All Listerhill checking accounts are eligible for 3 Overdraft or NSF Fee refunds per year. To request a refund, visit a Listerhill branch or call 1-800-239-6033.

    Additionally, we provide our members with overdraf services like:

    • Standard Overdraft Coverage

    • Debit Card Overdraft Coverage

    • Overdraft Protection

  • How can I start using mobile banking?

    To Get Started with our Mobile Banking app:

  • Do I have to pay any monthly service fees for having a checking account at Listerhill?

    Our Everyday Checking account comes with no minimum balances and no monthly service fees, so if you choose this account, you won’t have to pay any monthly fees, no matter what your daily balances are.

    If you’re interested in Growth Checking, you’ll have to pay a $10 monthly fee is your average balance is below $1,000. You can easily waive the account fee by keeping $1,000 or more in your account. That way, you can earn interest on your deposits without paying any monthly maintenance fees. It’s a win-win!

  • Why should I open a Growth Checking account?

    Growth Checking is the perfect account for those who want to see their money grow faster. This account offers high returns on your deposits for a small monthly service fee. You can waive the monthly fee by keeping $1,000 or more in your account. What’s even better is that the more you keep in your account, the higher the interest rate you’ll earn, so it makes sense to keep higher balances in your Growth Checking!

    If you want to put your money to work for you, open a Growth Checking account. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!

  • What is everyday checking?

    Everyday Checking is our free checking account. This account is convenient and simple with benefits like no minimum balances and no monthly service charges.

    If you're seeking a hassle-free checking experience coupled with top-rated online and mobile banking services, as well as options for overdraft protection and customizable account alerts, Everyday Checking is the ideal choice for you.

    Plus, our online application makes getting your new checking account easier than ever. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!