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 & 4 Wheelers NADA Retail More than $10,000 as low as 4.00% 60 Months
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.24% 72 Months
New Motorcycle & 4 Wheeler as low as 3.99% 60 Months
Used Motorcycles & 4 Wheelers as low as 4.49% 60 Months
New Motor Home as low as 4.50% 84 Months
Used Motor Homes as low as 4.50% 84 Months
New 5th Wheel as low as 4.50% 84 Months
New Travel Trailers as low as 4.50% 84 Months
Used Travel Trailers & Used Fifth Wheels as low as 4.50% 72 Months
New Watercraft as low as 3.99% 72 Months
New Watercraft as low as 4.29% 84 Months
New Watercraft as low as 4.99% 120 Months
Used Watercraft as low as 3.99% 60 Months
Used Watercraft as low as 4.99% 72 Months
Used Watercraft - Previous 3 Years & up (Minimum $25,000) as low as 5.99% 120 Months
New Waverunners as low as 4.49% 60 Months
New Waverunners as low as 4.29% 72 Months
Used Waverunners 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 4.99% 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
0.10% 0.10% $5
Effective 12/31/20

*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.

Pick 5 Share Savings Account

DIV/INT Rate APY Minimum Maximum
5% 5% $5 $1,000
Effective 6/26/2015

*APY=Annual Percentage Yield. This percentage is promotional and is only valid for The Hill or Pick 5 Savings accounts on the first $1,000. Subject to change.

Savings Rates

Young at Heart Checking

DIV/INT Rate APY Minimum
0.025% 0.03% $100
Effective 1/22/2021 - 1/28/2021

High Yield Checking

DIV/INT Rate APY Minimum
0.025% 0.03% $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 1/22/2021 - 1/28/2021

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



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 1/22/2021 - 1/28/2021

Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Monthly 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
0.10% 0.10% $0
Effective 12/31/2020

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 1/22/2021 - 1/28/2021

The compound interest earned with this certificate can be calculated monthly or 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 1/22/2021 - 1/28/2021

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

  • Maintenance Fee

    New Fee:Details:
    Maintenance Fee We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria: 

     • You or someone in your household has had a current loan or mortgage within the last 12 months. 
     • You or someone in your household has an open credit card 
     • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts
     • You or someone in your household has a relationship with our Listerhill Financial Services department 
     • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month 
     • You are under the age of 25 
     • Your account is less than 90 days old 
     • You have paid a Return Mail Fee or an Inactive Account Fee for the month
  • Jumbo Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:

    Jumbo Certificates Early Withdrawal Penalty

    • Terms of 1 year or less: 30 days interest

    • Terms of over 1 year: 90 days interest

    Monthly Certificate Early Withdrawal Penalty

    • Terms of 1 year or less: 90 days interest

    • Terms of 18 mos-2 yrs: 180 days interest

    • Terms of over 2 years: 210 days interest

  • Regular Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:
    Regular Certificates Early Withdrawal Penalty

     • Terms of 1 year or less: 30 days interest 
      
     • Terms of over 1 year: 90 days interest
    Quarterly Certificate Early Withdrawal Penalty 

     • Terms of 1 year or less: 90 days interest 

     • Terms of 18 mos-2yrs: 180 days interest 

     • Terms of over 2 years: 210 days interest
  • Relationship Fee

    Existing Fee:Changing To:
    Relationship Fee This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee.
  • 60 or 72 Month Jumbo Certificate

    Existing Account:Changing To:What This Means:
    Jumbo Certificates 
    (60 month and 72 month)
    Monthly Certificate 
    (60 month)
    Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. However, you will continue to receive the following benefits: 
     • Interest Paid Monthly 
     • Interest Paid by Deposit to Affiliate Account (Early withdrawal penalties have changed. Please see chart below.)