Older Adults

Enjoy all life has to offer without the financial burden. We can help you make the most out of what you’ve earned. ​

You've worked hard, but there's no reason your finances can't be simple. That's why we're here to help you get the most out of life and protect what you've earned. Listerhill has products designed for you to earn more and worry less, so you can get back to spending time with the ones you love.

RECOMMENDED PRODUCTS
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Financial Planning

When you’re making important financial decisions, you want sound, objective advice from someone who knows you well. Listerhill Financial Services gives you the personalized, local service you deserve.

Young At Heart
Young at Heart Checking

Developed for our members 50 years of age and older, the Young at Heart checking account earns interest and includes many other exclusive features.

Boat
High Yield Checking

Our interest checking account lets you earn higher interest on your money without tying up your funds for long periods of time

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Certificates

Save, without surprises, on your own terms.

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Visa Platinum Merchandise Rewards

Enjoy low rates, no annual fee, and rewards points for every dollar you spend.

Personal
Personal Loans

We understand that not every need in life fits into a category. Listerhill has loans tailored to whatever life may throw at you.

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Mortgages

Buying a home is the biggest financial commitment most members ever make. Listerhill can help make it the most rewarding, by helping you select the best rates and terms to meet your need.

Vehicle
Auto Loans

Shopping for a new car poses so many questions. New or used? Automatic or Standard? Cloth or Leather? Selecting the right loan shouldn't be so hard. Listerhill makes it easy.

Anytime Credit
Anytime Credit

Through Anytime Credit, you can get pre-approved for a line of credit that you can access anytime you need it.

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Home Equity Loan & Line of Credit

With a Home Equity Loan or Line of Credit, you can renovate your home or build a family pool — whatever your goals may be. Use the credit in your home to borrow the amount you need at a low interest rate and start making memories today.

Need a break? Skip-a-Pay!

Many people wonder how they’ll get through these months. Fortunately, Listerhill offers an exclusive break from your loan payments during this costly time of year. Now that sounds like a holiday wish ...

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5 Ways to Save This Thanksgiving

Between the turkey, ingredients for that luscious holiday meal and décor, hosting a Thanksgiving dinner is not cheap. Looking for ways to cut back without compromising on the quality and festivity of ...

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Things You Need to Know Before Getting a Used Car Loan

You may be considering getting a used car loan for your next vehicle purchase, but have some questions. Consider these tips as you prepare to get a used car loan and a new-to-you car!

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Frequently Asked Questions

  • What does Interest-Only Mean?

    With an interest-only loan, you are only responsible for paying the interest on the amount you draw from the construction loan each month. 

    Here’s an example. 

    If you draw $15,000 in January, you pay 4.99% on $15,000

    If you draw an additional $25,000 in February, you pay 4.99% on $40,000 ($15K from January + $25K from February)

  • What is a Construction Loan?

    A home construction loan provides you with financing to build your dream home. 

    With terms up to 12 months, this short-term loan covers your costs, including land, contractor labor, building materials, and more, until your home receives an occupancy certificate.  

    Once your home is ready to move in, you will then secure a traditional home mortgage.

  • You might prefer an adjustable-rate mortgage over a fixed-rate mortgage if...

    • You plan to move before the introductory rate expires.
    • You want a lower payment during your initial payment period.
    • You think rates will drop in the future.
    • You are planning on relocating before the rate adjusts
    • You know you will be paying off the loan in a few years
    • You need to move fast and have limited time to secure a down payment
    • You do not qualify for a 30-year fixed-rate mortgage, but want a 30-year payment schedule
    • Your payment could decrease if the index against which your ARM is benchmarked drops
  • A 5/5 adjustable rate-mortgage is right for you if...

    A 30-year ARM with a fixed interest rate for the first five years, then fluctuating every five years. 

    A 5/5 ARM is best if you want to lock in a low rate over a longer period and maintain the same rate over an extended time. 

    With a 5/5 adjustable-rate mortgage, you can go 10 years with only one rate adjustment, whereas with other lenders, you could experience up to six rate changes in the same time period.

  • A 3/3 adjustable-rate mortgage is right for you if...

    A 30-year ARM with a fixed interest rate for the first three years, then fluctuating every three years

    A 3/3 ARM is best if you want to lock in the lowest rate, but over a shorter period and are okay with the rate fluctuating more often.