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Introducing Our
House Special

Purchase with as little as 3% down and pay no PMI* with Listerhill's 30-year, fixed-rate mortgage. All underwritten in-house.

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With a Listerhill Home Loan, PMI is on the house.

With no PMI* on our 30 year fixed-rate mortgage, you can save thousands over the life of your home loan. That's thousands for turning your new home into your dream home.

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Always Pay Listerhill

Our 30-year, fixed-rate mortgage is underwritten in-house.  That means you’ll always pay Listerhill – resulting in less hassle and excellent local member service. 

With rates at an all-time low, now is the time to make your home ownership dream a reality, or to make your move to a better one. This special offer is for everyone, not just for first-time homebuyers.

Additionally, there is no limit on seller-paid closing costs.

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Looking to refi? We've got the most competitive rates for that, too.

There's never been a better time to refinance. Apply today to lower your payments when you bring your mortgage to Listerhill.


*Terms and conditions apply. Down payment must be minimum of 3% to qualify. Down payment requirement applies to purchase price or appraisal, whichever is lower.

**Private Mortgage Insurance. See for more information. NMLS #439260

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Frequently Asked Questions

  • How does a cash back credit card work?

    Our cash back credit card gives you a flat rate of 2% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.

  • How do I receive an incoming wire transfer at Listerhill?

    All incoming wires must be received using Listerhill's routing number of 262277011. The member should use the routing number along with their member number and share ID suffix or their draft number when receiving a wire.

    Wire to:

    Listerhill Credit Union

    4790 E. 2nd Street

    Muscle Shoals, AL 35661


    ABA No.: 262277011

    For credit to the account of:

    Member's Name:

    Member's Address:

    Member's Account No.:

  • What does it cost to send or receive a wire transfer?

    Incoming Domestic Wire Charge: $20.00

    Outgoing Domestic Wire Charge: $20.00

    Incoming Foreign Wire Charge: $35.00

    We do not process outgoing foreign international wires. We can receive them only.

  • Can I conduct a wire transfer through Listerhill?

    Listerhill is capable of receiving incoming wire transfers and sending outgoing domestic wire transfers. All Branch Managers, Loan Officers, Senior Member Advocates, Member Advocates, and Tellers can provide our members with information needed to receive incoming wire transfers.

    Branch Managers, Member Advocates, and Senior Member Advocates can assist with processing outgoing domestic wires.

    We do not process outgoing foreign international wires. We can receive them only.

  • 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, Florida, 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.