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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 Listerhill Credit Union Money Market Account, you can now watch your cash grow faster with competitive rates, daily compounding, and easy access to your money when you need it. Now that's money management!.
Our money market accounts offer:
| Rate Type | APY (%) | DIV/INT Rate (%) | Minimum Balance |
|---|---|---|---|
| Money Market Account Effective 7/1/2026 |
1.35% | 1.340% | $0-$9,999.99 |
| Money Market Account Effective 7/1/2026 |
1.55% | 1.540% | $10,000-$49,999.99 |
| Money Market Account Effective 7/1/2026 |
1.95% | 1.930% | $50,000-$99,999.99 |
| Money Market Account Effective 7/1/2026 |
2.10% | 2.080 | $100,000+ |
| Rate Type | Money Market Account Effective 7/1/2026 |
| APY (%) | 1.35% |
| DIV/INT Rate (%) | 1.340% |
| Minimum Balance | $0-$9,999.99 |
| Rate Type | Money Market Account Effective 7/1/2026 |
| APY (%) | 1.55% |
| DIV/INT Rate (%) | 1.540% |
| Minimum Balance | $10,000-$49,999.99 |
| Rate Type | Money Market Account Effective 7/1/2026 |
| APY (%) | 1.95% |
| DIV/INT Rate (%) | 1.930% |
| Minimum Balance | $50,000-$99,999.99 |
| Rate Type | Money Market Account Effective 7/1/2026 |
| APY (%) | 2.10% |
| DIV/INT Rate (%) | 2.080 |
| Minimum Balance | $100,000+ |
**Money Market Account (MMA) balances under $2,500 are subject to a $15 low balance fee. There is no limit to the number of in-branch withdrawals or ATM withdrawals allowed. Rates are subject to change without notice. APY = Annual Percentage Yield.
The more you save, the more you earn with our tiered interest rates. Even our lowest rate beats our offered share account rate!
Sit back and relax while your interest is compounded daily. You will be paid out your dividend earnings on a monthly basis.
A money market account is a great way to secure your checking account with extra funds using our opt-in Overdraft Protection plan.
Access your account anytime through any of our Smart ATMs, Online and Mobile Banking, or by telephone. The choice is yours!
Opening a Money Market Account online has never been easier. Our membership advocates are ready to help at a branch close to you.
Enjoy peace of mind with virtually risk-free investing. The federal government insures individual CD accounts up to $250,000.
A Listerhill Credit Union Money Market Account offers dividend rates well above those you’ll earn with your regular savings account, while your money remains safe and accessible should you need it.
Here’s what you need to know about our Money Market Accounts:
Ready to take your savings game to the next level? Click below to get started.
Both accounts help you grow your savings in a safe, secure way, but they’re built for different stages of your financial journey. A Share Savings account is the foundation of your membership and is ideal for everyday savings. A Money Market Account is designed to help your balance grow faster, with higher earning potential and added flexibility.
Here’s how they compare:
| Feature | Money Market Account | Share Savings Account |
|---|---|---|
| Earning Potential | Higher, with tiered dividend rates that increase as your balance grows | Lower, steady dividends based on average daily balance |
| How You Earn | Dividends compounded daily and paid monthly | Dividends paid quarterly |
| Access to Funds | 24/7 access via online banking, mobile app, ATMs, transfers, and shared branches | 24/7 access via online banking, mobile app, ATMs, transfers, and shared branches |
| Minimum to Open | No minimum deposit to open | $5 deposit to establish membership |
| Balance Considerations | Balances under $2,500 may have a monthly fee; higher balances unlock better rates | $5 maintained as your share; avoidable $5 monthly fee based on account activity/criteria |
| Extra Benefits | Can be used for overdraft protection; designed for higher balances and growth | Establishes membership; eligible for all credit union services; can be used for overdraft protection |
| Best For | Earning more on larger balances while keeping funds accessible | Everyday saving, building habits, and getting started |
| Security | Federally insured up to $250,000 by the National Credit Union Administration | Federally insured up to $250,000 by the National Credit Union Administration |
Wondering how much your money will really earn in a Money Market Account? Our Money Market Account Calculator is here to help. Simply enter the lump sum you plan to put in, plus any additional monthly contributions you are able to make, as well as how long you plan to keep your money invested. You’ll get a clear picture of how your funds will grow over time—and how much you stand to earn in total.
1
Check Your Eligibility
You must be a Listerhill Credit Union member to apply for an account. Check eligibility here.
2
Apply Online
Begin your Money Market Account application online, or come into a branch for extra help.
3
Start Saving
Open your account with a deposit of any size. Make regular contributions to boost your earnings.
- Fred S., Muscle Shoals, AL.
It depends on how long you plan to keep the money invested and what interest rate you are able to earn. For example, for a rate of 1.35% Annual Percentage Yield (APY), a $10,000 deposit would earn:
Take into account that money market accounts typically offer tiered rates, so if you make additional deposits and hit a higher tier, you’ll earn a higher rate on your money, helping you grow it faster.
Credit Union Money Market Accounts allow you to earn more money in dividend payments by offering progressively higher rates for amounts above $9,999, $49,999, and $99,999. Only the portion above the threshold earns the higher dividend rates. Because credit unions are not-for-profit financial cooperatives owned by and run on behalf of their members, dividend rates are higher on average than those offered by commercial bank accounts.
In order to open a Listerhill Credit Union Money Market Account, you need to be a member of Listerhill Credit Union. You’ll also need:
Credit unions offer more generous dividends on average than other banking institutions, as well as fewer fees and charges. Credit Unions also offer more personal service to help you set up and manage your money market account.
Money market accounts typically offer tiered dividend rate structures. That means account balances above certain thresholds earn a higher rate. For example, Listerhill Credit Union offers progressively higher APYs on amounts above $9,999, $49,999, and 99,999. It’s important to realize that only the portion of your deposit above this threshold will earn the higher rate, while the amount below will continue to earn dividends at the lower rate.
Yes, you do need to be a Listerhill Credit Union member to apply for a Money Market Account. To qualify for membership with Listerhill, you must meet one of the following requirements:
The smart, safe way to invest. Earn a guaranteed rate of return with a fixed date of withdrawal, with your funds fully backed by the U.S. federal government.
Make the most of your cash on hand. Earn generous interest on your spending money with our dividend-paying checking account.
Save for a more secure future with our tax-efficient retirement accounts. Choose between regular and Roth options and a range of investment choices.
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.
Answer a few questions and we will find a solution that works for you. It only takes a few seconds.
Setting up a travel notification tells Listerhill that you will be using your card overseas or in a different state. By informing us ahead of time, you’ll make sure that legitimate transactions using your credit or debit card are not blocked, so you’ll always have access to your money.
Unlike regular paper statements, eStatements are available instantly. There’s no chance they will get lost in the mail, and you do not need to worry about misplacing them — they’re always available online. They’re also searchable, which makes it easier to find specific transactions. In addition, eStatements save paper, making them more cost-effective and environmentally friendly.
No, while you can track card activity using Online and Mobile Banking, you currently need to use the LCU Card App to set up card alerts and notifications. This functionality will be coming soon to Listerhill’s Online and Mobile Banking services.
Yes, the LCU Card App is designed to allow you to monitor and manage multiple cards, including both credit and debit cards.
Listerhill Online and Mobile Banking lets you access information about your card balances and transactions (once you have added your card details). The LCU Card App also lets you track card spending, but also allows you to add notifications and alerts, enable transaction alerts, view recent and pending transactions, and instantly lock or unlock cards.