IRAs

You don't have to do it alone. Take advantage of the tax savings and helpful advice from your credit union experts.

Planning for retirement isn't as hard as it sounds, but there are a lot of options out there. Roth or Traditional? Mutual fund, ETF, annuity, certificate, or savings account? Meet with one of our local retirement experts to discuss your best IRA options and get the most out of your hard-earned money. No matter what you're pulling in each week, you can turn a little into a lot and retire with something significant waiting.


Product Features
Tax Benefits

Traditional IRA contributions are tax-deductible on both state and federal tax returns for the year you make the contribution. Withdrawals in retirement are taxed at ordinary income tax rates. Roth IRAs provide no tax break for contributions, but earnings and withdrawals are generally tax-free.

No Fees or Service Charges

Ever.

Automatic Transfers

Set up automatic transfers within Online Banking to help reach your savings goals.

eStatements

View your account history anytime through eStatements. Paper statements also available.

24/7 Access

Access your account anytime through any of our Smart ATMs, Online and Mobile Banking, or by telephone with Automated Access. The choice is yours.

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Traditional or Roth IRA

Ready to learn more or begin planning? You're not alone! Meet with our Listerhill Financial Services team to open your IRA account with the perfect investment strategy. We can work with you to help design a comprehensive retirement plan that's comfortable for you now yet secures your financial future. Make an appointment with Listerhill Financial Services today.

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Other IRA Options

IRA Certificates (Includes Roth)

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
Effective 3/31/2021 - 4/8/2021

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

Other IRA Options

IRA Savings Account (Includes Roth)

DIV/INT Rate APY Minimum
0.050% 0.05% $0
Effective 3/31/2021 - 4/8/2021

The compound interest earned with this savings account is calculated daily.

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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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Frequently Asked Questions

  • What is a land loan?

    A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land. 

    Once you’re ready to build, you can secure a different type of loan to cover construction costs.

  • Who is a HELOC best for?

    If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.

  • Who is a Home Equity Loan best for?

    If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.

  • What can home equity loans be used for?

    Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks.  If you can dream it, you can achieve it!

  • What type of requirements exist for home equity loans?

    Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.