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.
Rates Sections
Auto Loans
| Loans | APR as low as | Maximum Term |
|---|---|---|
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 5.99% | 36 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 6.24% | 66 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 6.54% | 75 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 7.29% | 84 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 8.04% | 96 months |
| Previous 3 Years and up - More Than 30,000 miles | 6.24% | 66 months |
| Previous 3 Years and up - More Than 30,000 miles | 6.54% | 72 months |
| Used Auto (4-6 years old) | 6.74% | 66 months |
| Used Auto (7-24 Years) | 7.99% | 54 months |
| Antique Automobiles (25 yrs old) | 8.00% | 48 months |
| Rebuilt Automobiles | 8.00% | Terms based on year |
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 Signature Rewards | as low as 12.99% | |
| Visa Platinum | as low as 12.99% |
Recreational Loans
| Loans | APR | Maximum |
|---|---|---|
| New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 | as low as 6.99% | 84 Months |
| New Motorcycle or ATV/UTV | as low as 6.99% | 72 Months |
| Used Motorcycles or ATV/UTV | as low as 7.49% | 60 Months |
| New/Used Motor Home, New 5th Wheel, or New Travel Trailer | as low as 7.00% | 180 Months |
| Used Travel Trailer or 5th Wheel | as low as 7.00% | 180 Months |
| New Boat | as low as 6.49% | 180 Months |
| Used Boat | as low as 6.49% | 180 Months |
| Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) | as low as 8.74% | 120 Months |
| New Waverunner or Personal Watercraft | as low as 6.99% | 84 Months |
| Used Waverunner | as low as 8.25% | 72 Months |
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 |
| 20 Year Fixed Rate | Call 1-800-239-6033 for the latest rate | 20 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 5.99% | 3 years (amortized over 30 years) |
| 5/5 Adjustable Rate Mortgage | as low as 6.50% | 5 years (amortized over 30 years) |
| Short Term Fixed | as low as 6.50% | 10 years |
| Construction Loan | as low as 7.24% | 12 months |
| Land Loan | as low as 7.50% | 20 years |
| 5/5 Adjustable Rate Mortgage - 100% of Purchase Price | as low as 7.75% | 5 years (amortized over 30 years) |
* 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 10.74% | 72 months |
| Lawnmowers and Utility Trailers | as low as 7.24% | 72 months |
| Farm Equipment | as low as 7.24% | 84 months |
Lending Rates
Share Secured
| Loans | APR | Maximum |
|---|---|---|
| 3% above earning rate | n/a | n/a |
Money Market Secured
| APR | Maximum Term |
|---|---|
| 3% above earning rate | n/a |
Certificate Secured
| APR | Maximum Term |
|---|---|
| 2% above earning rate | n/a |
Share Savings Account
| DIV/INT Rate | APY | Minimum |
|---|---|---|
| 0.250% | 0.25% | $5 |
*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 |
| 0.450% | 0.45% | $1,000+ |
Money Market
| DIV/INT | APY | Minimum |
|---|---|---|
| 0.800% | 0.80% | $0 - $9,999 |
| 0.900% | 0.90% | $10,000 - $49,999 |
| 0.950% | 0.95% | $50,000 - $99,999 |
| 1.100% | 1.11% | $100,000+ |
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 |
|---|---|---|
| 0.250% | 0.25% | $5 |
*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 | 2.700% | 2.73% | $500 |
| 15 Months* | 4.670% | 4.75% | $10,000 |
| 18 Months | 3.500% | 3.55% | $500 |
| 24 Months | 3.350% | 3.39% | $500 |
| 36 Months | 2.950% | 2.98% | $500 |
| 48 Months | 2.850% | 2.88% | $500 |
| 60 Months | 2.850% | 2.88% | $500 |
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. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) is subject to change at any time.
*4.67% is the dividend rate; Annual Percentage Yield is 4.75%. Rate accurate as of 2/17/23. Limited time only. A $10,000 deposit from funds outside of an existing account at Listerhill Credit Union into a Listerhill deposit account is required to receive the 4.67% CD rate. Federally Insured by NCUA.
IRA Savings Account (Includes Roth)
| DIV/INT Rate | APY | Minimum |
|---|---|---|
| 0.250% | 0.25% | $0 |
The compound interest earned with this savings account is calculated quarterly.
IRA Certificates
| Type | DIV/INT Rate | APY | Minimum |
|---|---|---|---|
| 12 Months | 2.700% | 2.73% | $500 |
| 15 Months* | 4.670% | 4.75% | $10,000 |
| 18 Months | 3.500% | 3.55% | $500 |
| 24 Months | 3.350% | 3.39% | $500 |
| 36 Months | 2.950% | 2.98% | $500 |
| 48 Months | 2.850% | 2.88% | $500 |
| 60 Months | 2.850% | 2.88% | $500 |
*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. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) is subject to change at any time.
*4,67% is the dividend rate; Annual Percentage Yield is 4.75%. Rate accurate as of 2/17/23. Limited time only. A $10,000 deposit from funds outside of an existing account at Listerhill Credit Union into a Listerhill deposit account is required to receive the 4.67% CD rate. Federally Insured by NCUA.
Roth IRA Certificates
| Type | DIV/INT Rate | APY | Minimum |
|---|---|---|---|
| 12 Months | 2.700% | 2.73% | $500 |
| 36 Months | 2.950% | 2.98% | $500 |
| 60 Months | 2.850% | 2.88% | $500 |
*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. Annual Percentage Yield (APY) and Annual Percentage Rate (APR) is subject to change at any time.
Business Rates
Business High Yield Checking
| DIV/INT | APY | Minimum |
|---|---|---|
| 0.000% | 0.00% | $0 - $9,999 |
| 0.200% | 0.20% | $10,000 - $49,999 |
| 0.300% | 0.30% | $50,000 - $99,999 |
| 0.350% | 0.35% | $100,000+ |
