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Rates

Rates

At Listerhill, we pride ourselves on our competitive rates.

By being member-owned, we are able to return our earnings to you in the form of higher rates on shares and lower rates on loans. If you are not already a member, join us today and start taking advantage of our great rates.

Auto Loans

Loans APR as low as Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles 4.74% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 4.74% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 5.04% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 5.79% 84 months
Previous 3 Years and up - More Than 30,000 miles 4.74% 66 months
Previous 3 Years and up - More Than 30,000 miles 5.04% 72 months
Used Auto (4-6 years old) 5.24% 66 months
Used Auto (7-24 Years) 6.49% 54 months
Antique Automobiles (25 yrs old) 6.50% 48 months
Rebuilt Automobiles 6.50% Terms based on year
Effective 8/5/2022

All rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply; All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. APR = Annual Percentage Rate.

Credit Cards

Card Name APR
Visa Platinum Cash Back as low as 12.99%
Visa Platinum Merchandise as low as 12.99%
Effective 5/15/2022

Recreational Loans

Loans APR Maximum
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 5.75% 60 Months
New Motorcycle or ATV/UTV as low as 5.74% 60 Months
Used Motorcycles or ATV/UTV as low as 6.24% 60 Months
New/Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 5.75% 84 Months
Used Travel Trailer or 5th Wheel as low as 5.75% 72 Months
New Boat as low as 5.24% 72 Months
Used Boat as low as 5.24% 60 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 7.49% 120 Months
New Waverunner or Personal Watercraft as low as 5.74% 60 Months
Used Waverunner as low as 7.00% 60 Months
Effective 8/5/2022

Additional terms may be available. See a member advocate for more details.

Home Loans

Loans APR Maximum Term
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
15 Year Fixed Rate Call 1-800-239-6033 for the latest rate 15 years
Home Equity Line of Credit as low as 4.00% 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage as low as 4.99% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 5.50% 5 years (amortized over 30 years)
Short Term Fixed as low as 4.0% 7 years
Construction Loan as low as 5.99% 12 months
Land Loan as low as 5.00% 15 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 6.75% 5 years (amortized over 30 years)
Effective 7/6/2022

* All rates and terms are subject to change without notice.

All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender. The annual percentage rates (APR) on adjustable-rate home loans may vary and are subject to change after consummation. Please call a loan officer for down payment information.

Other Loans

Loans APR Maximum Term
Unsecured Personal as low as 9.24% 60 months
Lawnmowers and Utility Trailers as low as 5.99% 60 months
Farm Equipment as low as 5.99% 72 months
Effective 8/5/2022

Lending Rates

Share Secured

Loans APR Maximum
3% above earning rate n/a n/a
Effective 5/18/2013

Money Market Secured

APR Maximum Term
3% above earning rate n/a
Effective 5/8/13

Certificate Secured

APR Maximum Term
2% above earning rate n/a
Effective 5/8/13

Share Savings Account

DIV/INT Rate APY Minimum
0.050% 0.05% $5
Effective 3/31/2021

*This annual percentage yield is accurate as of the last dividend declaration date. **Regulatory Account Limitations: No more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.

Growth Checking

DIV/INT Rate APY Minimum
0.000% 0.00% $0-$999.99
0.100% 0.10% $1,000+
Effective 7/1/22

Money Market

DIV/INT APY Minimum
0.150% 0.15% $0 - $9,999
0.200% 0.20% $10,000 - $49,999
0.300% 0.30% $50,000 - $99,999
0.400% 0.40% $100,000+
Effective 7/1/2022

Balances under $2,500 are subject to a $15 low balance fee. Allows up to six (6) pre-authorized, automatic, or telephone transfers to be made from this account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed. There is no limit to the number of in-branch withdrawals or ATM withdrawals allowed.

*Rates are subject to change
**APY = Annual Percentage Yield



My Goal Savings Account

DIV/INT Rate APY Minimum
0.050% 0.05% $5
Effective 3/31/2021

*This annual percentage yield is accurate as of the last dividend declaration date. **Regulatory Account Limitations: No more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.

Savings Rates

Certificates

Type DIV/INT APY Minimum
12 months 1.200% 1.21% $500
18 months 1.250% 1.26% $500
24 months 2.050% 2.07% $500
36 months 2.300% 2.32% $500
48 months 2.350% 2.37% $500
60 months 2.450% 2.47% $500
Effective 8/12/22 - 8/18/22

Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Quarterly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings.

IRA Savings Account (Includes Roth)

DIV/INT Rate APY Minimum
0.050% 0.05% $0
Effective 8/12/22 - 8/18/22

The compound interest earned with this savings account is calculated quarterly.

IRA Certificates (Includes Roth)

Type DIV/INT Rate APY Minimum
12 Months 1.200% 1.21% $500
36 Months 2.300% 2.32% $500
60 Months 2.450% 2.47% $500
Effective 8/12/22 - 8/18/22

The compound interest earned with this certificate will be calculated quarterly.

Business Rates

Business High Yield Checking

DIV/INT APY Minimum
0.000% 0.00% $0 - $9,999
0.050% 0.05% $10,000 - $49,999
0.060% 0.06% $50,000 - $99,999
0.070% 0.07% $100,000+
Effective 8/12/22 - 8/18/22
Additional Questions?

Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

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Common Links

Frequently Asked Questions

  • How does a cash back credit card work?

    Our cash back credit card gives you a flat rate of 2% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.

  • How do I receive an incoming wire transfer at Listerhill?

    All incoming wires must be received using Listerhill's routing number of 262277011. The member should use the routing number along with their member number and share ID suffix or their draft number when receiving a wire.

    Wire to:

    Listerhill Credit Union

    4790 E. 2nd Street

    Muscle Shoals, AL 35661

    1-256-383-9204

    ABA No.: 262277011

    For credit to the account of:

    Member's Name:

    Member's Address:

    Member's Account No.:

  • What does it cost to send or receive a wire transfer?

    Incoming Domestic Wire Charge: $20.00

    Outgoing Domestic Wire Charge: $20.00

    Incoming Foreign Wire Charge: $35.00

    We do not process outgoing foreign international wires. We can receive them only.

  • Can I conduct a wire transfer through Listerhill?

    Listerhill is capable of receiving incoming wire transfers and sending outgoing domestic wire transfers. All Branch Managers, Loan Officers, Senior Member Advocates, Member Advocates, and Tellers can provide our members with information needed to receive incoming wire transfers.

    Branch Managers, Member Advocates, and Senior Member Advocates can assist with processing outgoing domestic wires.

    We do not process outgoing foreign international wires. We can receive them only.

  • How do I qualify for membership at Listerhill?

    To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member.
      • Depending on your individual eligibility requirements, 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.