Privacy And Security

Privacy & Security

Your privacy and account security is Listerhill Credit Union's highest priority. Below are just some of the steps we take to ensure your safety.

Security and Privacy Information

How We Protect You

It’s All About We is not just a saying here at Listerhill. Protecting our members’ personal information is our top priority. We are always working to make sure your information is safe and that your family is protected from financial harm.

Listerhill uses the following security controls to protect your information:

1. We require a unique username and alphanumeric passcode to sign in to Online Banking.

2. We have a secure browser connection throughout our site and require you to sign in to Online Banking each time you log on.

3. We require an industry standard 128-bit encryption.

4. A timeout feature automatically terminates each user session after a period of inactivity. After multiple unsuccessful logon attempts, online account access is locked.

5. We don’t use email or text messages to send private information such as your Access ID, password, account number, card number or Social Security number. In addition, we never ask our members for confidential information via email, text or social media.

Resources

Interested in learning more about your information security? Check out the following resources.

1. ID Theft Toolkits: https://listerhill.balancepro....

2. Federal Trade Commission: www.ftc.gov

3. NCUA Consumer Resources: https://www.mycreditunion.gov/...

How You Can Protect Yourself

By managing your personal information carefully, and with a full understanding of its importance, you can reduce the likelihood that ID Theft will happen to you and react quickly in the unlikely event that it does. Identity thieves have high and low-tech ways of stealing your personal information. They can search through your trash or hack into your computer. Here are a few examples of items identity thieves look for:

• Your wallet or purse — containing ID, credit cards, debit cards, statements, or receipts

• Mail — credit card statements, checks, tax information, and pre-approved credit card offers

• Personal information from your home or computer

• Files from offices where you are a customer, employee, patient or student

Here are some steps you can take to protect yourself:

1. Be on guard for potential fraudulent emails. This includes not opening email messages or attachments from unknown senders and not clicking on any unknown links. Never provide sensitive information to anyone through email. Also, make sure to check the accuracy of the email addresses to confirm the senders are who they say they are.

2. If you have responded to a fraudulent email or feel you are the victim of email fraud, act immediately by contacting Listerhill at 256-383-9204 or 800-239-6033 or email us at phishing@listerhill.com.

3. Change your passwords often. Don’t use the same password for multiple accounts or share your login information with anyone. Use a combination of letters and numbers to create complex passwords which would be difficult for someone else to guess.

4. Sign up for email and text alerts through Online Banking. This will help you monitor your accounts and activity closely.

5. Regularly request free credit report(s), inspect the reports closely, and promptly dispute any unauthorized accounts. You can go to annualcreditreport.com or call 877-322-8228 to get your reports for free once per year.

6. Look at your account statements closely and promptly and dispute any unauthorized charges.

7. Consider putting a credit lock or credit freeze on your existing credit files. However, please be aware that this will result in some verification delay when you are applying for new credit.

8. Consider placing a fraud alert on your credit files if you believe that your personal data has been compromised at any time.

9. Properly dispose of important documents and sensitive financial information.

10. Frequently update your browser to ensure that your interactions with our website are safe and secure—and to ensure an optimal experience. We recommend using the most up-to-date version of your web browser.

Resources

Interested in learning more about your information security? Check out the following resources.

1. ID Theft Toolkits: https://listerhill.balancepro....

2. Federal Trade Commission: www.ftc.gov

3. NCUA Consumer Resources: https://www.mycreditunion.gov/...

Contact Us Now

How to Report Fraud

If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.

Report Lost/Stolen Card

Debit Card: Immediately call 1-888-918-7819.

Credit Card: Immediately call 1-800-449-7728.

Other Questions or Concerns

Call 256-383-9204 or 1-800-239-6033 to speak with a Listerhill reperesentative now.

Our Privacy Policy

The Listerhill Credit Union Privacy Policy.

How We Use Your Online Information

Listerhill Credit Union Website Privacy Policy

• Acknowledgement and Acceptance of Terms

Listerhill Credit Union respects the privacy of our members and visitors to our website. This statement describes our policy regarding the security of information received about you during visits to this website. This Privacy Policy is specific to the general use of this website only and does not address the collection and use of nonpublic personal information about individuals who obtain financial products or services from Listerhill Credit Union (“consumer financial information”). Our policy regarding the privacy of consumer financial information is available in our Listerhill Credit Union Privacy Policy. By accessing the website, you acknowledge that you have read and fully understand this Privacy Policy, that you freely consent to the information collection and use practices described in this Privacy Policy.

• Links

Our website contains links to third-party web sites provided for convenience only. Listerhill Credit Union is neither responsible for nor endorses the content of third-party links. Listerhill Credit Union is not responsible for the privacy practices or the content of such websites.

• Forms

Online forms such as loan applications, check orders, etc., are provided to better serve the needs of our members. Personal information provided by a member via any of our online forms is used only by Listerhill Credit Union to process the member’s request for service. Personal information transmitted through email communication is used only by our staff to respond to inquiries for service or information. We do not give, sell or transfer non-public personal information to third parties unless permitted or required by law.

• General Interaction

As you interact with us in a variety of ways online, including through a mobile device, we may receive information collected through Google Analytics, cookies, tags, and other technologies. This information may include your name, age, gender, interests, address, email address, or other contact information. We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We use this information to make your experience with Listerhill richer and more personalized based on the products, services, or other interaction you have with us. We may use this information to evaluate and improve the usefulness of our site or make offers to you via online ads, email, or other marketing efforts.

• Opt-Out

We respect our members’ ability to exercise choice in receiving cookie-based advertising on third-party sites by participating in programs utilizing the Advertising Options Icon (AdChoices). If you receive an ad delivered on a third-party website in this way, you may opt out of receiving such ads by clicking the displayed icon and following the instructions or by visiting aboutads.info. This opt-out works via cookies, so if you delete cookies, use a different device, or change web browsers, you will need to opt out again. You may be able to set your browser to reject browser cookies. However, you may be limiting the functionality we can provide when you visit our site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.

• Children’s Online Privacy Protection Act (COPPA)

The Federal Trade Commission adopted a regulation (16 CFR 312) to implement the Children’s Online Privacy Protection Act (COPPA), which governs the collection, use and/or disclosure of personal information from and about children on the internet. Listerhill Credit Union does not collect personal information from children under age 13 on any Credit Union website.

• Policy Updates

Any updates to the policy become effective when we post the updates on the site. Your use of the site following the update to the policy means that you accept the updated policy.

• Contact Information

For additional information on privacy policies, please call 256-383-9204 or email us at support@listerhill.com.

Contact Us Now

How to Report Fraud

If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.

Report Lost/Stolen Card

Debit Card: Immediately call 1-888-918-7819.

Credit Card: Immediately call 1-800-449-7728.

Other Questions or Concerns

Call 256-383-9204 or 1-800-239-6033 to speak with a Listerhill reperesentative now. The Federal Trade Commission adopted a regulation (16 CFR 312) to implement the Children’s Online Privacy

Report Fraud

How to Report Fraud

If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.

Report Lost or Stolen Debit/Credit Card

Report Lost/Stolen Card

Debit Card: Immediately call 1-888-918-7819.

Credit Card: Immediately call 1-800-449-7728.

Contact Us Now

Other Questions or Concerns

Call 256-383-9204 or 1-800-239-6033 to speak with a Listerhill reperesentative now.

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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.