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 2.99% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 2.99% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.29% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 4.04% 84 months
Previous 3 Years and up - More Than 30,000 miles 2.99% 66 months
Previous 3 Years and up - More Than 30,000 miles 3.29% 72 months
Used Auto (4-6 years old) 3.49% 66 months
Used Auto (7-24 Years) 4.74% 54 months
Antique Automobiles (25 yrs old) 5.25% 48 months
Rebuilt Automobiles 5.25% Terms based on year
Effective 9/21/2020

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 8.99%
Visa Platinum Merchandise as low as 8.99%
Effective 9/21/2020

Recreational Loans

Loans APR Maximum
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 4.00% 60 - 72 Months
New Motorcycle or ATV/UTV as low as 3.99% 60 Months
Used Motorcycles or ATV/UTV as low as 4.49% 60 Months
New/Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 4.50% 84 Months
Used Travel Trailer or 5th Wheel as low as 4.50% 72 Months
New Boat as low as 3.99% 72-120 Months
Used Boat as low as 3.99% 60-72 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 5.99% 120 Months
New Waverunner or Personal Watercraft as low as 4.29% 60-72 Months
Used Waverunner as low as 5.75% 60 Months
Effective 9/21/2020

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 2.75% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 3.00% 5 years (amortized over 30 years)
Short Term Fixed as low as 2.75% 7 years
Construction Loan as low as 5.49% 12 months
Land Loan as low as 4.75% 15 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 4.25% 5 years (amortized over 30 years)
Effective 8/1/2020

* 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 7.99% 60 months
Lawnmowers and Utility Trailers as low as 4.74% 60 months
Farm Equipment as low as 4.74% 72 months
Effective 9/21/2020

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
0.070% 0.07% $1,000+
Effective 3/31/2021 - 4/8/2021

Money Market

DIV/INT APY Minimum
0.050% 0.05% $0 - $9,999
0.100% 0.10% $10,000 - $49,999
0.150% 0.15% $50,000 - $99,999
0.200% 0.20% $100,000+
Effective 1/1/2021

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.

Certificates

Type DIV/INT APY Minimum
12 months 0.200% 0.20% $500
18 months 0.250% 0.25% $500
24 months 0.350% 0.35% $500
36 months 0.500% 0.50% $500
48 months 0.550% 0.55% $500
60 months 0.650% 0.65% $500
Effective 3/31/2021 - 4/8/2021

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 3/31/2021 - 4/8/2021

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

IRA Certificates (Includes Roth)

Type DIV/INT Rate APY Minimum
12 Months 0.200% 0.20% $500
36 Months 0.500% 0.50% $500
60 Months 0.650% 0.65% $500
Effective 3/31/2021 - 4/8/2021

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 3/31/2021 - 4/8/2021

Additional Questions?

Listerhill has been 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

  • What is a land loan?

    A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land. 

    Once you’re ready to build, you can secure a different type of loan to cover construction costs.

  • Who is a HELOC best for?

    If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.

  • Who is a Home Equity Loan best for?

    If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.

  • What can home equity loans be used for?

    Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks.  If you can dream it, you can achieve it!

  • What type of requirements exist for home equity loans?

    Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.