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Member Advocates

We believe that member service should be centered around you, our member.

Walking into a traditional bank can be scary - who do you talk to and where do you go? That's why we've torn out the teller line and thrown out the ropes.

Feel the credit union difference.

We've retrained our staff so you can complete everything on your financial to-do list in one easy visit with a Member Advocate - Your personal coach to a better financial future. 

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Traditional banks can be intimidating.

It can be a headache trying to figure out who can handle your varying financial needs when you walk into the bank. Do you approach a personal banker or a teller? Or maybe a loan officer?

At Listerhill, we strive to make your needs our priority and want to make your financial experience simple and pleasant. That's why we've made it possible to check off to-dos on your financial checklist with the help of one Member Advocate. 

Member Advocates are trained to be flexible and ready for all of your financial needs.

Need to open a savings account? How about cash a check? Begin the process for an auto loan? Our Member Advocates can do it all. The only thing you'll have to do is tell us what you need - our Member Advocates can handle the rest. 

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Visit a Member Advocate at a Listerhill branch near you

Wondering where you can find a Member Advocate to assist you? Visit our locations page to find the nearest Listerhill branch to you. 


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Brandon S
Member Since 2015
Love Listerhill Credit Union. So happy to see the new location in Killen and all it's wonderful amenities. Change is hard but over time people will love the convenience they have to offer. Thanks for investing in Killen!
Products this member has used:
Gwendolyn W
Member Since 1993
I am so thankful to my branch manager for his sincere expression of care of me as a member of Listerhill. He gave me advice that was in my best interest. Listerhill Credit Union is the BEST!
Products this member has used:
John D
Member Since 1997
I am very happy with my Listerhill account. Deposits are credited immediately, service is usually friendly and efficient, there is no long list of hidden fees and I feel like a properly valued customer.
Products this member has used:
Melody and Joshua S
Member Since 2016
We have been a member of Listerhill Credit Union for years. Listerhill has always treated us with respect and helped in any way possible.
Products this member has used:
Harriet I
Member Since 1988
Listerhill employees are the best! No matter which branch I use, everyone is so nice and professional.
Products this member has used:
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Common Links

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.