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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.

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.

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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.

IRA Savings Account

Effective 3/1/2026
APY (%) DIV/INT Rate (%) Minimum Balance
0.20% 0.200% $0
APY (%) 0.20%
DIV/INT Rate (%) 0.200%
Minimum Balance $0

The compound interest earned with the IRA Savings Account is calculated quarterly. Rates are subject to change without notice. APY = Annual Percentage Yield.

Roth IRA Savings Account

Effective 3/1/2026
APY (%) DIV/INT Rate (%) Minimum Balance
0.20% 0.200% $0
APY (%) 0.20%
DIV/INT Rate (%) 0.200%
Minimum Balance $0

The compound interest earned with the Roth IRA Savings Account is calculated quarterly. Rates are subject to change without notice. APY = Annual Percentage Yield.

IRA Certificates

Effective 3/13/26 - 3/19/26
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.49% 3.450% $500 6 months
3.70% 3.650% $500 12 months
3.45% 3.410% $500 15 months
3.44% 3.400% $500 18 months
3.44% 3.400% $500 24 months
3.29% 3.250% $500 36 months
3.29% 3.250% $500 48 months
3.55% 3.500% $500 60 months
APY (%) 3.49%
DIV/INT Rate (%) 3.450%
Minimum Opening Deposit $500
Term (Months) 6 months
APY (%) 3.70%
DIV/INT Rate (%) 3.650%
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 (%) 3.44%
DIV/INT Rate (%) 3.400%
Minimum Opening Deposit $500
Term (Months) 18 months
APY (%) 3.44%
DIV/INT Rate (%) 3.400%
Minimum Opening Deposit $500
Term (Months) 24 months
APY (%) 3.29%
DIV/INT Rate (%) 3.250%
Minimum Opening Deposit $500
Term (Months) 36 months
APY (%) 3.29%
DIV/INT Rate (%) 3.250%
Minimum Opening Deposit $500
Term (Months) 48 months
APY (%) 3.55%
DIV/INT Rate (%) 3.500%
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 3/13/26 - 3/19/26
APY (%) DIV/INT Rate (%) Minimum Opening Deposit Term (Months)
3.70% 3.650% $500 12 months
3.29% 3.250% $500 36 months
3.55% 3.500% $500 60 months
APY (%) 3.70%
DIV/INT Rate (%) 3.650%
Minimum Opening Deposit $500
Term (Months) 12 months
APY (%) 3.29%
DIV/INT Rate (%) 3.250%
Minimum Opening Deposit $500
Term (Months) 36 months
APY (%) 3.55%
DIV/INT Rate (%) 3.500%
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.

When to Start Saving For Retirement

Wondering when to start saving for retirement? While it’s never too late to start saving, ensuring you will have enough money to retire is a lot easier if you start early.

Read
A Full Guide to Saving for Retirement with an IRA

The average American between the ages of 35 and 44 has just over $22,000 saved for retirement. For people who are entering their prime earning years, this is far too low. If you want to retire at age ...

Read
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.

Read
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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