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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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Listerhill Credit Union (en-US)

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Get up to 1% Off Your Loan Rate

With Listerhill's Relationship Pricing

Since 1952, we've believed in fair, affordable lending — because relationships should matter more than profit. That's why we're offering up to 1.00% off your loan rate* when you finance any of the following with Listerhill Credit Union:

  • Auto loan
  • Personal loan**
  • Recreational loan

Ready to enjoy relationship pricing?

Start The Loan Application Process
How Relationship Pricing Works

Each relationship step you take earns a 0.25% loan rate discount - a total of 4 for a total of 1.00% off*:

  • Open a Listerhill Checking Account.
  • Set up Direct Deposit to Your Listerhill Account.
  • Set up Automatic Payments for Your Listerhill Account.
  • Get a Listerhill Credit Card.
  • Bring your loan to Listerhill from another lender.

Whether you're financing a car loan, recreational loan, or personal loan**, each option qualifies for discounts - and all offer flexible terms to fit your goals.

Start The Loan Application Process
Auto, Recreational, and Personal Loans That Work for You

Whether you're buying a new or used car, financing a boat, ATV, camper or RV, Listerhill's Relationship Pricing* gives you access to competitive APRs — plus the chance to reduce your loan rate even more. For example:

  • Personal loans** come with terms from 48 to 72 months, and an APR as low as 9.74% (plus 1.00% off with Relationship Pricing).
  • At that discounted rate, a $10,000 personal loan for 48 months would be only $247.80/month — a total of $11,894.40 over the life of the loan.
Start The Loan Application Process
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Refinance or Start Fresh - Either Way, You Save

You don't have to open a brand-new loan to qualify. If you're paying too much on your current loan at another lender, we'll help you move it to Listerhill - and reward you for it.

You'll still qualify for: a competitive loan rate, our full Relationship Pricing discount*, and transparent terms that work with your budget.

Move Your Loan Today
Already a Member? You're Already Ahead

If you've opened a Listerhill account or taken other relationship steps, you're already on your way to 1.00% off your loan rate*. Whether you've banked with us for 5 days or 50 years, you're eligible for Relationship Pricing*.

Take Advantage of Relationship Pricing
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Ready to Get Started?

Fill out the short form, and a Listerhill loan officer will contact you to discuss your auto, personal**, or recreational loan options - and help you unlock the full benefits of Relationship Pricing*.

Get Started
Relationship Pricing Loan Application Form

By completing this form, you’re taking the first step toward Relationship Pricing* on your personal, recreational, or auto loan—and building a stronger relationship with a cooperative that values people over profit.

Choose all that apply.
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*APR = Annual Percentage Rate. All loans subject to membership requirements and credit approval. Rate and term may vary depending on each individual's credit history and underwriting factors. Relationship pricing discounts apply to auto, recreation, and personal loans opened within the last thirty (30) days from the time of request. Share secured loans, mortgages, HELOCs, Quick Loans, Greenlight loans, credit cards, and commercial loans are not eligible for relationship pricing discounts. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 5.24% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Rate and terms subject to change.

 
**APR = Annual Percentage Rate. Rate range from as low as 9.74% APR up to 18% maximum APR. As low as rate does not include a maximum relationship pricing discount of 1.00%. Personal loan terms from 48 to 72 months. The payment on a $10,000 loan would be $252.38 per month by using the $25.24 per $1,000 at a non-variable interest rate of 9.74% APR with a 48-month term. This equates to total repayment of $12,114.19 over the life of the loan.

© 2026 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • Will this upgrade affect my Online or Mobile Banking?

    Not at all. Those services remain unchanged.

  • What if I forget my code?

    We can verify your identity and easily reset it for you.

  • Will I still be able to speak with a representative?

    Absolutely. Our Support team are still available just as before - the new system simply connects you to them more quickly and securely.

  • How do I set up my code?

    Our Support team can help you set it up during your first call to the new system, OR you can call Automated Access at 256-381-5555 to set it up anytime.

  • What is an Automated Access Code?

    A four-digit code that verifies your identity when you call. It also lets you use our Automated Access service 24/7, 365 days a year.

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