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Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

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

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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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 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 7.24% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.49% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.79% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 8.54% 84 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 9.29% 96 months
Previous 3 Years and up - More Than 30,000 miles 7.49% 66 months
Previous 3 Years and up - More Than 30,000 miles 7.79% 72 months
Used Auto (4-6 years old) 7.99% 72 months
Used Auto (7-24 Years) 9.24% 72 months
Antique Automobiles (25 yrs old) 9.24% 72 months
Rebuilt Automobiles 9.25% Terms based on year
Effective 3/18/2024

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

Credit Cards

Card Name APR
Visa Signature Rewards as low as 12.99%
Visa Platinum as low as 12.99%
Effective 7/15/22

*Rates are subject to change without notice.

Recreational Loans

Loans APR Maximum
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 9.49% 84 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.49% 72 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.24% 60 Months
New Motorcycle or ATV/UTV as low as 8.99% 72 Months
New Motorcycle or ATV/UTV as low as 8.24% 60 Months
Used Motorcycles or ATV/UTV as low as 8.74% 60 Months
New Motor Homes as low as 9.24% 180 Months
New Motor Homes as low as 8.74% 120 Months
New Motor Homes as low as 8.25% 84 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.74% 180 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.24% 120 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 8.25% 84 Months
Used Travel Trailer or 5th Wheel as low as 9.74% 180 Months
Used Travel Trailer or 5th Wheel as low as 9.24% 120 Months
Used Travel Trailer or 5th Wheel as low as 8.74% 84 Months
Used Travel Trailer or 5th Wheel as low as 8.25% 72 Months
New Boat as low as 9.49% 180 Months
New Boat as low as 9.24% 144 Months
New Boat as low as 8.99% 120 Months
New Boat as low as 8.04% 84 Months
New Boat as low as 7.74% 72 Months
Used Boat as low as 10.49% 180 Months
Used Boat as low as 10.24% 144 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 9.99% 120 Months
Used Boat as low as 8.74% 72 Months
Used Boat as low as 7.74% 60 Months
New Waverunner or Personal Watercraft as low as 8.54% 84 Months
New Waverunner or Personal Watercraft as low as 8.24% 72 Months
Used Waverunner as low as 9.50% 72 Months
Effective 11/6/2023

All rates and terms are subject to change without notice. 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%, variable 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage as low as 8.49% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 9.00% 5 years (amortized over 30 years)
Short Term Fixed as low as 7.50% 10 years
Construction Loan as low as 9.24% 12 months
Land Loan as low as 8.00% 20 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 10.25% 5 years (amortized over 30 years)
Effective 9/1/23

* 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 11.99% 72 months
Lawnmowers and Utility Trailers as low as 8.49% 72 months
Farm Equipment as low as 8.49% 84 months
Effective 11/6/2023

All rates and terms are subject to change without notice.

Lending Rates

Share Secured

Loans APR Maximum
3% above earning rate n/a n/a
Effective 5/18/13

Rates are subject to change without notice.

Money Market Secured

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

*Rates are subject to change without notice.

Certificate Secured

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

*Rates are subject to change without notice.

Share Savings Account

DIV/INT Rate APY Minimum
0.200% 0.20% $5
Effective 3/31/24

*This annual percentage yield is accurate as of the last dividend declaration date. Rates are subject to change without notice.

Growth Checking

DIV/INT Rate APY Minimum
0.000% 0.00% $0-$999.99
1.600% 1.61% $1,000-$9,999.99
2.300% 2.32% $10,000-$49,999.99
3.650% 3.71% $50,000+
Effective 6/1/24

APY = Annual Percentage Yield. Terms and conditions apply. Must keep a balance of $1,000 or greater to avoid monthly service charges.

Rates are subject to change without notice.

Money Market

DIV/INT APY Minimum
1.640% 1.65% $0 - $9,999
1.730% 1.75% $10,000 - $49,999
2.270% 2.30% $50,000 - $99,999
2.320% 2.35% $100,000+
Effective 7/1/23

Balances under $2,500 are subject to a $15 low balance fee. There is no limit to the number of in-branch withdrawals or ATM withdrawals allowed.

*Rates are subject to change without notice.
**APY = Annual Percentage Yield



My Goal Savings Account

DIV/INT Rate APY Minimum
0.200% 0.20% $5
Effective 3/31/24

*This annual percentage yield is accurate as of the last dividend declaration date.

Rates are subject to change without notice.

Savings Rates

Certificates

Type DIV/INT APY Minimum
6 Months 4.910% 5.00% $500
12 Months 4.910% 5.00% $500
15 Months 3.940% 4.00% $500
18 Months 3.500% 3.55% $500
24 Months 3.360% 3.40% $500
36 Months 2.970% 3.00% $500
48 Months 2.970% 3.00% $500
60 Months 2.970% 3.00% $500
Effective 7/19/24 - 7/25/24

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.

IRA Savings Account (Includes Roth)

DIV/INT Rate APY Minimum
0.200% 0.20% $0
Effective 7/19/24 - 7/25/24

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

Rates are subject to change without notice.

IRA Certificates

Type DIV/INT Rate APY Minimum
6 Months 4.910% 5.00% $500
12 Months 4.910% 5.00% $500
15 Months 3.940% 4.00% $500
18 Months 3.500% 3.55% $500
24 Months 3.360% 3.40% $500
36 Months 2.970% 3.00% $500
48 Months 2.970% 3.00% $500
60 Months 2.970% 3.00% $500
Effective 7/19/24 - 7/25/24

*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.

Roth IRA Certificates

Type DIV/INT Rate APY Minimum
12 Months 4.910% 5.00% $500
36 Months 2.970% 3.00% $500
60 Months 2.970% 3.00% $500
Effective 7/19/24 - 7/25/24

*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
0.250% 0.25% $10,000 - $49,999
0.350% 0.35% $50,000 - $99,999
0.400% 0.40% $100,000+
Effective 6/1/23

*Rates are subject to change without notice.

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

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.