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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.

We're all about a personal touch.

When you're ready to put down roots, our home team of Mortgage Loan Officers is here for you.

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When it comes to your mortgage, you'll feel right at home.

Our dedicated team of Mortgage Loan Officers are ready to help as you search for your dream home. When you choose Listerhill as your lender, you'll not only get a great rate and top-tier service--we will also never sell your loan, which means you'll always pay Listerhill. Because to us, it's personal.

Time to refinance? Lock in a great rate today.

It's no secret that interest rates are on the rise--so if it's time to refi, work with one of our Mortgage Loan Officers to lock in a great rate today.

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Home Loans

Effective 11/21/2024
Loans APR as low as (%) Term (Months/Years)
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
20 Year Fixed Rate Call 1-800-239-6033 for the latest rate 20 years
15 Year Fixed Rate Call 1-800-239-6033 for the latest rate 15 years
Home Equity Line of Credit 4.00%, variable 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage 6.24% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage 6.50% 5 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage - 100% of Purchase Price 7.75% 5 years (amortized over 30 years)
Short Term Fixed 7.00% 10 years
Construction Loan 8.99% 12 months
Land Loan 8.00% 20 years
Loans 30 Year Fixed Rate
APR as low as (%) Call 1-800-239-6033 for the latest rate
Term (Months/Years) 30 years
Loans 20 Year Fixed Rate
APR as low as (%) Call 1-800-239-6033 for the latest rate
Term (Months/Years) 20 years
Loans 15 Year Fixed Rate
APR as low as (%) Call 1-800-239-6033 for the latest rate
Term (Months/Years) 15 years
Loans Home Equity Line of Credit
APR as low as (%) 4.00%, variable
Term (Months/Years) 10 year draw, 20 year payback
Loans 3/3 Adjustable Rate Mortgage
APR as low as (%) 6.24%
Term (Months/Years) 3 years (amortized over 30 years)
Loans 5/5 Adjustable Rate Mortgage
APR as low as (%) 6.50%
Term (Months/Years) 5 years (amortized over 30 years)
Loans 5/5 Adjustable Rate Mortgage - 100% of Purchase Price
APR as low as (%) 7.75%
Term (Months/Years) 5 years (amortized over 30 years)
Loans Short Term Fixed
APR as low as (%) 7.00%
Term (Months/Years) 10 years
Loans Construction Loan
APR as low as (%) 8.99%
Term (Months/Years) 12 months
Loans Land Loan
APR as low as (%) 8.00%
Term (Months/Years) 20 years

All Mortgage and Home Loans are subject to credit approval. Actual rate will be determined by the credit worthiness of the borrower. Rates are subject to change without notice. The APR on adjustable-rate home loans may vary and are subject to change after consummation. Other restrictions may apply. Equal Housing Lender. Please call a loan officer for down payment information. APR = Annual Percentage Rate.

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Common Links

Frequently Asked Questions

  • How can I avoid overdraft fees?

    All Listerhill checking accounts are eligible for 3 Overdraft or NSF Fee refunds per year. To request a refund, visit a Listerhill branch or call 1-800-239-6033.

    Additionally, we provide our members with overdraf services like:

    • Standard Overdraft Coverage

    • Debit Card Overdraft Coverage

    • Overdraft Protection

  • How can I start using mobile banking?

    To Get Started with our Mobile Banking app:

  • Do I have to pay any monthly service fees for having a checking account at Listerhill?

    Our Everyday Checking account comes with no minimum balances and no monthly service fees, so if you choose this account, you won’t have to pay any monthly fees, no matter what your daily balances are.

    If you’re interested in Growth Checking, you’ll have to pay a $10 monthly fee is your average balance is below $1,000. You can easily waive the account fee by keeping $1,000 or more in your account. That way, you can earn interest on your deposits without paying any monthly maintenance fees. It’s a win-win!

  • Why should I open a Growth Checking account?

    Growth Checking is the perfect account for those who want to see their money grow faster. This account offers high returns on your deposits for a small monthly service fee. You can waive the monthly fee by keeping $1,000 or more in your account. What’s even better is that the more you keep in your account, the higher the interest rate you’ll earn, so it makes sense to keep higher balances in your Growth Checking!

    If you want to put your money to work for you, open a Growth Checking account. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!

  • What is everyday checking?

    Everyday Checking is our free checking account. This account is convenient and simple with benefits like no minimum balances and no monthly service charges.

    If you're seeking a hassle-free checking experience coupled with top-rated online and mobile banking services, as well as options for overdraft protection and customizable account alerts, Everyday Checking is the ideal choice for you.

    Plus, our online application makes getting your new checking account easier than ever. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!