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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.
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.
Cash in on rising rates by locking in a one-time rate bump on any certificate we offer with the same term.
Deposit $500 or more at any time to any existing certificate.
As little as $500 can get you started.
Rest easy knowing your account is federally insured up to $250,000.
Although, early withdrawal penalties apply.
Terms range from 6 to 60 months.
Apply for your account in 10 minutes or less with our quick, easy online application.
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.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.40% | 3.360% | $500 | 6 months |
| 3.45% | 3.410% | $500 | 12 months |
| 3.45% | 3.410% | $500 | 15 months |
| 3.49% | 3.450% | $500 | 18 months |
| 3.49% | 3.450% | $500 | 24 months |
| 3.49% | 3.450% | $500 | 36 months |
| 3.60% | 3.550% | $500 | 48 months |
| 3.65% | 3.600% | $500 | 60 months |
| APY (%) | 3.40% |
| DIV/INT Rate (%) | 3.360% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 6 months |
| APY (%) | 3.45% |
| DIV/INT Rate (%) | 3.410% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 12 months |
| APY (%) | 3.45% |
| DIV/INT Rate (%) | 3.410% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 15 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 18 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 24 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 36 months |
| APY (%) | 3.60% |
| DIV/INT Rate (%) | 3.550% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 48 months |
| APY (%) | 3.65% |
| DIV/INT Rate (%) | 3.600% |
| 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.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.51% | 3.460% | $250,000 | 6 months |
| 3.56% | 3.510% | $250,000 | 12 months |
| 3.56% | 3.510% | $250,000 | 15 months |
| 3.60% | 3.550% | $250,000 | 18 months |
| 3.60% | 3.550% | $250,000 | 24 months |
| 3.60% | 3.550% | $250,000 | 36 months |
| 3.70% | 3.650% | $250,000 | 48 months |
| 3.75% | 3.700% | $250,000 | 60 months |
| APY (%) | 3.51% |
| DIV/INT Rate (%) | 3.460% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 6 months |
| APY (%) | 3.56% |
| DIV/INT Rate (%) | 3.510% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 12 months |
| APY (%) | 3.56% |
| DIV/INT Rate (%) | 3.510% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 15 months |
| APY (%) | 3.60% |
| DIV/INT Rate (%) | 3.550% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 18 months |
| APY (%) | 3.60% |
| DIV/INT Rate (%) | 3.550% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 24 months |
| APY (%) | 3.60% |
| DIV/INT Rate (%) | 3.550% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 36 months |
| APY (%) | 3.70% |
| DIV/INT Rate (%) | 3.650% |
| Minimum Opening Deposit | $250,000 |
| Term (Months) | 48 months |
| APY (%) | 3.75% |
| DIV/INT Rate (%) | 3.700% |
| 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.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.40% | 3.360% | $500 | 6 months |
| 3.45% | 3.410% | $500 | 12 months |
| 3.45% | 3.410% | $500 | 15 months |
| 3.49% | 3.450% | $500 | 18 months |
| 3.49% | 3.450% | $500 | 24 months |
| 3.49% | 3.450% | $500 | 36 months |
| 3.60% | 3.550% | $500 | 48 months |
| 3.65% | 3.600% | $500 | 60 months |
| APY (%) | 3.40% |
| DIV/INT Rate (%) | 3.360% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 6 months |
| APY (%) | 3.45% |
| DIV/INT Rate (%) | 3.410% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 12 months |
| APY (%) | 3.45% |
| DIV/INT Rate (%) | 3.410% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 15 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 18 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 24 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 36 months |
| APY (%) | 3.60% |
| DIV/INT Rate (%) | 3.550% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 48 months |
| APY (%) | 3.65% |
| DIV/INT Rate (%) | 3.600% |
| 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.
| APY (%) | DIV/INT Rate (%) | Minimum Opening Deposit | Term (Months) |
|---|---|---|---|
| 3.45% | 3.410% | $500 | 12 months |
| 3.49% | 3.450% | $500 | 36 months |
| 3.65% | 3.600% | $500 | 60 months |
| APY (%) | 3.45% |
| DIV/INT Rate (%) | 3.410% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 12 months |
| APY (%) | 3.49% |
| DIV/INT Rate (%) | 3.450% |
| Minimum Opening Deposit | $500 |
| Term (Months) | 36 months |
| APY (%) | 3.65% |
| DIV/INT Rate (%) | 3.600% |
| 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.
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.
If a member has accounts in credit union A and credit union B, and credit union A merges into credit union B, accounts of credit union A continue to be insured separately from the share deposits of credit union B for six months after the date of the merger or, in the case of a share certificate, the earliest maturity date after the six-month period. In the case of a share certificate that matures within the six-month grace period that is renewed at the same dollar amount, either with or without accrued dividends having been added to the principal amount, and for the same term as the original share certificate, the separate insurance applies to the renewed share certificate until the first maturity date after the six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.
The NCUA would either transfer the insured member's account to another federally insured credit union or give the federally insured member a check equal to their insured account balance. This includes the principal and posted dividends through the date of the credit union's liquidation, up to the insurance limit.
Federal law requires the NCUA to make payments of insured accounts "as soon as possible" upon the failure of a federally insured credit union. While every credit union failure is unique, there are standard policies and procedures that the NCUA follows in making share insurance payments. Historically, insured funds are available to members within just a few days after the closure of an insured credit union.
Members who have uninsured shares may recover a portion of their uninsured shares, but there is no guarantee that they will recover any more than the insured amount. The amount of uninsured shares they may receive, if any, is based on the recovery of the failed credit union's assets. Depending on the quality and value of these assets, it may take several years to conclude recovery on all the assets. As recoveries are made, uninsured account holders may receive periodic payments on their uninsured shares claim.
If a liquidated credit union is acquired by another federally insured credit union, all direct deposits, including Social Security checks or paychecks delivered electronically, will be automatically deposited into your account at the assuming credit union. If the NCUA cannot find an acquirer for the liquidated credit union, the NCUA will advise members to make new arrangements.