Loans That Pay You Back

During this promotion, we gave 1.5% cash back* on auto, personal, vacation, recreation, ATV, and RV loans.

Between April and December of 2020, we gave $1.24 million dollars in cash back to members who opened or refinanced their consumer loans with us!

You can still save by getting your next loan with Listerhill.

Although this promotion is no longer available, we still offer a range of borrowing options with competitive rates based on your needs and budget.


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Check out how much we gave back to our local communities!

BranchLoan Giveback Amount
Columbia $173,293.90
Cullman $60,075.61
Double Springs $22,329.48
Downtown Florence$26,520.63
eLending $67,764.90
Hough Road $138,923.57
Haleyville $34,077.74
Hamilton $75,688.21
Killen $120,697.30
Main Office $52,027.98
Muscle Shoals $104,062.77
Petersville $131,299.45
Rogersville $63,101.07
Russellville $113,281.21
Sheffield $15,013.08
Winfield $47,882.65
TOTAL GIVEBACK$1,246,039.55
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Common Links

Frequently Asked Questions

  • When does it make sense to refinance a mortgage?

    Refinancing your home loan can be a great option to secure a better loan for your current circumstances and future goals. It makes sense to refinance your mortgage if one of the benefits will be helpful for you:

    • Secure a lower interest rate
    • Reduce your mortgage term
    • Switch from an adjustable-rate mortgage to a fixed-rate mortgage or vice versa
    • Borrow against the equity in your home


    If doing any of the above would benefit you, refinancing might be the next best move.

  • Maintenance Fee

    New Fee:Details:
    Maintenance Fee We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria: 

     • You or someone in your household has had a current loan or mortgage within the last 12 months. 
     • You or someone in your household has an open credit card 
     • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts
     • You or someone in your household has a relationship with our Listerhill Financial Services department 
     • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month 
     • You are under the age of 25 
     • Your account is less than 90 days old 
     • You have paid a Return Mail Fee or an Inactive Account Fee for the month
  • Jumbo Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:

    Jumbo Certificates Early Withdrawal Penalty

    • Terms of 1 year or less: 30 days interest

    • Terms of over 1 year: 90 days interest

    Monthly Certificate Early Withdrawal Penalty

    • Terms of 1 year or less: 90 days interest

    • Terms of 18 mos-2 yrs: 180 days interest

    • Terms of over 2 years: 210 days interest

  • Regular Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:
    Regular Certificates Early Withdrawal Penalty

     • Terms of 1 year or less: 30 days interest 
      
     • Terms of over 1 year: 90 days interest
    Quarterly Certificate Early Withdrawal Penalty 

     • Terms of 1 year or less: 90 days interest 

     • Terms of 18 mos-2yrs: 180 days interest 

     • Terms of over 2 years: 210 days interest
  • Relationship Fee

    Existing Fee:Changing To:
    Relationship Fee This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee.