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. 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.
| 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 can be calculated monthly or 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.
| New Fee: | Details: |
|---|---|
| Maintenance Fee | We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria:
• You or someone in your household has had a current loan or mortgage within the last 12 months. • You or someone in your household has an open credit card • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts • You or someone in your household has a relationship with our Listerhill Financial Services department • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month • You are under the age of 25 • Your account is less than 90 days old • You have paid a Return Mail Fee or an Inactive Account Fee for the month |
| Existing Fee: | Changing To: |
|---|---|
Jumbo Certificates Early Withdrawal Penalty • Terms of 1 year or less: 30 days interest • Terms of over 1 year: 90 days interest | Monthly Certificate Early Withdrawal Penalty • Terms of 1 year or less: 90 days interest • Terms of 18 mos-2 yrs: 180 days interest • Terms of over 2 years: 210 days interest |
| Existing Fee: | Changing To: |
|---|---|
| Regular Certificates Early Withdrawal Penalty
• Terms of 1 year or less: 30 days interest • Terms of over 1 year: 90 days interest | Quarterly Certificate Early Withdrawal Penalty
• Terms of 1 year or less: 90 days interest • Terms of 18 mos-2yrs: 180 days interest • Terms of over 2 years: 210 days interest |
| Existing Fee: | Changing To: |
|---|---|
| Relationship Fee | This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee. |
| Existing Account: | Changing To: | What This Means: |
|---|---|---|
| Jumbo Certificates (60 month and 72 month) | Monthly Certificate (60 month) | Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. However, you will continue to receive the following benefits:
• Interest Paid Monthly • Interest Paid by Deposit to Affiliate Account (Early withdrawal penalties have changed. Please see chart below.) |