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LPL Research Blog

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Listerhill Credit Union and Listerhill Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Listerhill Financial Services, and may also be employees of Listerhill Credit Union or Listerhill Financial Services. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Listerhill Credit Union or Listerhill Financial Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligation

May Lose Value

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

© 2026 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260

Common Links

Frequently Asked Questions

Do you need to be a Listerhill Credit Union member to apply for a Money Market Account?
Yes, you do need to be a Listerhill Credit Union member to apply for a Money Market Account. To qualify for membership with Listerhill, you must meet one of the following requirements:
- You must live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee.
- Depending on your individual eligibility requirements, we may require membership in 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.
How does a tiered dividend rate structure work?

Money market accounts typically offer tiered dividend rate structures. That means account balances above certain thresholds earn a higher rate. For example, Listerhill Credit Union offers progressively higher APYs on amounts above $9,999, $49,999, and 99,999. It’s important to realize that only the portion of your deposit above this threshold will earn the higher rate, while the amount below will continue to earn dividends at the lower rate.
Where is the best place to open a money market account?

Credit unions offer more generous dividends on average than other banking institutions, as well as fewer fees and charges. Credit Unions also offer more personal service to help you set up and manage your money market account.
What do you need to open a money market account?
In order to open a Listerhill Credit Union Money Market Account, you need to be a member of Listerhill Credit Union. You’ll also need:
- Proof of identity, such as drivers license, state ID card, or passport
- An opening deposit of at least $15 to cover the low balance fee
How do credit union money market accounts work?

Credit Union Money Market Accounts allow you to earn more money in dividend payments by offering progressively higher rates for amounts above $9,999, $49,999, and $99,999. Only the portion above the threshold earns the higher dividend rates. Because credit unions are not-for-profit financial cooperatives owned by and run on behalf of their members, dividend rates are higher on average than those offered by commercial bank accounts.