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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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HOLIDAY

All branches will be self-service only Tuesday, November 11th, for Veterans Day. Normal business hours will resume Wednesday, November 12th. Smart ATMs and Online and Mobile Banking will remain available.

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 an auto, personal**, or recreational loan with Listerhill Credit Union.

Take Advantage of Relationship Pricing
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.

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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
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.

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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*.

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Relationship Pricing Contact Form

By providing Listerhill with your information, you're taking the first step towards Relationship Pricing* and a stronger relationship with a cooperative that values people over profit.

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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.

© 2025 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • Do I have to be a member to apply for a fixed-rate loan?

    Yes, you need to be a Listerhill member to apply for loans. To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member.
    • Depending on your individual eligibility requirements, we may require membership in 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.
       
  • How important is my credit history in determining whether I qualify for a loan?

    Your credit history is extremely important to lenders when deciding whether to offer you a loan, because it provides an indication of how likely you are to pay back what you owe. This helps lenders determine how much of a risk you are. Typically, the better your credit history, the less risky you appear to lenders, and the better (lower) the interest rate you are likely to be offered.

    Lenders do, however, look at other factors such as income, job stability, and existing debts. Credit unions like Listerhill are also known for taking a more holistic look at their members’ finances when deciding whether to approve a loan, rather than relying solely on the numbers.

  • What is a good down payment on a home?

    A down payment of up to 20% is considered good by many lenders. This gives you a significant stake in the property that you are borrowing money to buy. Lenders see a substantial down payment as a good indicator that you will continue to make payments because you risk losing your own money if you do not. Typically, you’ll get a lower mortgage interest rate the more money you are able to put down, although lenders do look at other factors as well.

  • What is a debt-to-income ratio?

    Your debt-to-income (DTI) ratio compares your monthly debt payments relative to your gross monthly income. Mortgage lenders use it to evaluate how well you manage debt and whether you can afford a new loan. A lower DTI generally makes it easier to qualify for mortgages and other loans. For conventional home loans, many lenders look for a DTI below 43%.

  • How much is a $300,000 mortgage payment?

    Assuming you borrowed $300,000 on a fixed 25 year mortgage loan at a current average annual percentage rate (APR), you could expect to pay about $2,120 per month (not including taxes and insurance premiums). This does not include any down payment you might make on the total purchase price of the house.

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