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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.

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
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
Effective 12/10/21 - 12/16/21

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 12/10/21 - 12/16/21

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

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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

  • How do I qualify for membership at Listerhill?

    To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, or Tennessee, you are eligible to become a member.
      • Depending on your individual eligibility requirements, 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.
  • If you do not live in qualifying counties or states

    You can qualify for membership by being a family member of a current or potential Listerhill member.

  • If you do not live in qualifying counties

    If you do not live, attend school, own property, or work in the qualifying counties (listed above), you can become a member by joining an approved association (at no cost to you) if you reside in Alabama, Georgia, or Tennessee.

  • If you do live in qualifying counties

    You must live, attend school, own property, or work in qualifying counties:

    • Lauderdale County, AL
    • Colbert County, AL
    • Franklin County, AL
    • Marion County, AL
    • Winston County, AL
    • Cullman County, AL
    • Limestone County, AL
    • Lawrence County, AL
    • Morgan County, AL
    • Lamar County, AL
    • Fayette County, AL
    • Walker County, AL
    • Maury County, TN
    • Spring Hill, Williamson County, TN
  • Is there a Listerhill branch in Athens?

    Our Listerhill branch in Athens, Alabama is under construction will be open and ready to serve you in spring 2022! Until then, our closest branch to the Athens, AL area is in Rogersville.