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Not a member yet?

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 6/1/2025
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 5.74% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage 6.00% 5 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage - 100% of Purchase Price 7.25% 5 years (amortized over 30 years)
Short Term Fixed 7.00% 10 years
Construction Loan 8.49% 12 months
Land Loan 7.00% 10 years
Land Loan 7.50% 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 (%) 5.74%
Term (Months/Years) 3 years (amortized over 30 years)
Loans 5/5 Adjustable Rate Mortgage
APR as low as (%) 6.00%
Term (Months/Years) 5 years (amortized over 30 years)
Loans 5/5 Adjustable Rate Mortgage - 100% of Purchase Price
APR as low as (%) 7.25%
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 (%) 8.49%
Term (Months/Years) 12 months
Loans Land Loan
APR as low as (%) 7.00%
Term (Months/Years) 10 years
Loans Land Loan
APR as low as (%) 7.50%
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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Frequently Asked Questions

  • What happens when federally insured credit unions merge?

    If a member has accounts in credit union A and credit union B, and credit union A merges into credit union B, accounts of credit union A continue to be insured separately from the share deposits of credit union B for six months after the date of the merger or, in the case of a share certificate, the earliest maturity date after the six-month period. In the case of a share certificate that matures within the six-month grace period that is renewed at the same dollar amount, either with or without accrued dividends having been added to the principal amount, and for the same term as the original share certificate, the separate insurance applies to the renewed share certificate until the first maturity date after the six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.

  • What happens if a federally insured credit union is liquidated?

    The NCUA would either transfer the insured member's account to another federally insured credit union or give the federally insured member a check equal to their insured account balance. This includes the principal and posted dividends through the date of the credit union's liquidation, up to the insurance limit.

  • If a credit union is liquidated, what is the timeframe for payout of the funds that are insured if the credit union cannot be acquired by another credit union?

    Federal law requires the NCUA to make payments of insured accounts "as soon as possible" upon the failure of a federally insured credit union. While every credit union failure is unique, there are standard policies and procedures that the NCUA follows in making share insurance payments. Historically, insured funds are available to members within just a few days after the closure of an insured credit union.

  • What happens to members with uninsured shares?

    Members who have uninsured shares may recover a portion of their uninsured shares, but there is no guarantee that they will recover any more than the insured amount. The amount of uninsured shares they may receive, if any, is based on the recovery of the failed credit union's assets. Depending on the quality and value of these assets, it may take several years to conclude recovery on all the assets. As recoveries are made, uninsured account holders may receive periodic payments on their uninsured shares claim.

  • What happens to my direct deposits if a federally insured credit union is liquidated?

    If a liquidated credit union is acquired by another federally insured credit union, all direct deposits, including Social Security checks or paychecks delivered electronically, will be automatically deposited into your account at the assuming credit union. If the NCUA cannot find an acquirer for the liquidated credit union, the NCUA will advise members to make new arrangements.