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Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.
If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, 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.
With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.
All branches will be self-service only Tuesday, November 11th, for Veterans Day. Normal business hours will resume Wednesday, November 12th. Smart ATMs and Online and Mobile Banking will remain available.
See us at The Big Deal and register to win a $500 scholarship! Read the official giveaway rules for more information.
Stop by and see us at The Lucky Dip and show your school pride by adding the purple foam finger to your game day accessory kit!
Join us for FREE popcorn and play financial trivia in The Commons on Wednesday, August 27th from 11AM - 1PM.
Be sure to sign up for the Know Your Resources Scavenger Hunt on Thursday, September 4th and get swag from Listerhill and several other free on-campus resources. See Campus Groups for sign up.
Come and tailgate with us at the first home football game on Saturday, September 13th. The Lions will be ROARING!!
Start your college journey on the right foot by making sure your financial situation is solid! We've got you covered with our college financial checklist - available for free to use online or download.
We are strengthening our partnership thanks to users of Listerhill's UNA Keystone debit card. Each time you swipe your Keystone Card, Listerhill donates a portion of the transaction back to UNA Athletics, Alumni, and Advancement initiatives for students.
We are thrilled to announce that Listerhill, as of March 2025, has donated just under $185,000 to UNA as a result of this debit card program!
Group and individual classes are available to all students for free. You can also stop by one of our "Pop-Ups" and get popcorn just for answering some financial trivia questions.
Any time you do any of Listerhill's on-campus learning activities you can enter our monthly drawing for a $200 scholarship! So, the more you learn, the more chances you have to win!! (See official contest rules for more information.)
Sign up for classes on Campus Groups, stop by and see us in The Commons, or reach out to our Financial Wellness Team for more details or to book a class for your group.
Learn about overdraft options, how to manage your accounts, and how to avoid the fees associated with them.
Discover the tools to help you plan your spending so you have enough for today and tomorrow. This class includes "The Game of Life".
Credit scores and credit reports are just the start. Understand how the system works so you have the power to build and protect your credit without going into debt.
A class for graduating seniors giving you all the tools you need to succeed for your first year out of college. Evaluating job offers, understanding your 401k, and integrating your student loans into your budget.
Understand the overall cost of borrowing money, choosing the type of loans or cards, why minimum payments don't work, and how to build and protect your credit.
This class will give you the tools to be a debt champion and leave you with more money in your pocket.
An introduction to the principles and basics of growing your money for your future.
A simple breakdown of the who, what and how of federal and state taxes - including an overview of the most commonly used forms.
A fun class with a practical application which includes the budgeting and credit elements of the car buying process.
A checklist guide incorporating a budget to help you plan how to move out of the dorms or your parents' house.
Be ready to purchase when it is time by learning the process and beginning your preparations now.
For high schoolers or college freshman, this class examines how to plan your college expenses and the realities of avoiding (or not) student debt.
Banzai is Listerhills’ brand new, FREE financial wellness program. It is simple to navigate, fun to use and offers lessons and exercises to boost your financial skills and understanding. Take a financial wellness assessment, set a budget, learn about credit, mortgages, the FAFSA, and more all from the convenience of your personal device.
Through our partnership with UNA, Listerhill members can now easily give back to the school they love simply by making everyday purchases.
The giveback is split equally between these three UNA groups:
Through coordination with the UNA National Alumni Association, one-third of the Keystone Card giveback will go to serve UNA alumni, faculty, staff, students, and friends with programs and initiatives that are tailored to their professional needs and interests.
As a 501(c)(3) non-profit organization, the Lions Athletic Club is the primary booster club for UNA Lion Athletics and will receive an equal portion of the Keystone Card giveback. Support from the club provides increased scholarship opportunities, facility improvements and operational expense support.
One-third of the donation to UNA goes to university advancement projects. These projects positively impact the lives of the University’s students by meeting the greatest needs and emerging priorities at UNA as determined by the University’s president and leadership teams.
Supporting UNA with a simple swipe has never been easier. Open a checking account online and opt for a Keystone Card today.
Did you know you can exchange your current Listerhill debit card for a UNA Keystone Debit Card at any Listerhill branch? Swap your card today to start donating to UNA with every swipe.
Yes, you need to be a Listerhill member to apply for loans. To qualify for membership with Listerhill, you must meet one of the following requirements:
Your credit history is extremely important to lenders when deciding whether to offer you a loan, because it provides an indication of how likely you are to pay back what you owe. This helps lenders determine how much of a risk you are. Typically, the better your credit history, the less risky you appear to lenders, and the better (lower) the interest rate you are likely to be offered.
Lenders do, however, look at other factors such as income, job stability, and existing debts. Credit unions like Listerhill are also known for taking a more holistic look at their members’ finances when deciding whether to approve a loan, rather than relying solely on the numbers.
A down payment of up to 20% is considered good by many lenders. This gives you a significant stake in the property that you are borrowing money to buy. Lenders see a substantial down payment as a good indicator that you will continue to make payments because you risk losing your own money if you do not. Typically, you’ll get a lower mortgage interest rate the more money you are able to put down, although lenders do look at other factors as well.
Your debt-to-income (DTI) ratio compares your monthly debt payments relative to your gross monthly income. Mortgage lenders use it to evaluate how well you manage debt and whether you can afford a new loan. A lower DTI generally makes it easier to qualify for mortgages and other loans. For conventional home loans, many lenders look for a DTI below 43%.
Assuming you borrowed $300,000 on a fixed 25 year mortgage loan at a current average annual percentage rate (APR), you could expect to pay about $2,120 per month (not including taxes and insurance premiums). This does not include any down payment you might make on the total purchase price of the house.