Everyone thinks about their next new car months before making a final purchase, but few people consider whom they should finance through or what that process will look like. Don't panic. Auto financing does not need to be stressful or confusing. Read below to learn more about what auto financing actually is and why you should care about it. ...

Depending on the status of your account, you may receive an error message when trying to conduct a transaction at a Smart ATM. If your account is closed, delinquent, or has experienced fraudulent activity, you may not be able to access your account through a Smart ATM. If this happens, please see a Member Advocate inside a branch or call us at (256) 383-9204.

The Smart ATM will show you every account for which you are an owner. This includes your primary accounts and joint accounts. When making a transaction, please double-check the last four digits of the account number to ensure you are making a transaction in the correct account.

Don't worry. The Smart ATM will clamp down on your chip card to hold it in place until the transaction is complete. Once the transaction is complete, it should release your card. Do not try to remove your card until prompted. If you believe the transaction to be over, but your card remains locked within the Smart ATM in error, please contact a Member Advocate in the branch or call us at (256) 383-9204.

1. Real Estate Loans (1st and 2nd Mortgage and Home Equity Lines)
2. Business Loans
3. Lines of Credit (Kwik Kash, Anytime Credit, Overdraft Services, and Credit Cards)
4. Christmas Loans
5. Single Pay Term Loans
6. Loans with Less than 6 Monthly Payments
7. Loans Currently Past Due More than 29 Days
   
8. Loans that Received Maximum Extensions (two skip pays and/or extensions allowed during the term of the loan)
9. Workout Loans or Troubled Debt Restructuring (TDR)
10. Accounts in Bankruptcy
11. Charged-Off Loans
12. Loans on Accounts with a Negative Checking or Savings Balance
13. Accounts with Bad Addresses
14. Loans that have already had Skip-A-Pay applied to them within the last year.
15. Quick Loans

Skip-a-Pay is a service by Listerhill Credit Union which allows members to request to skip a monthly payment. The payment is instead added to the end of a loan, essentially extending the life of the loan by one month. This can be a valuable tool in your financial tool belt.

Click here to request Skip-A-Pay, agree to do business electronically, and fill out the online form. You must also provide payment for the $35 fee before your loan payment can be skipped. This fee can be transferred from your Listerhill checking or savings account or paid from an outside account.

In order to have your Skip-A-Pay request processed before your loan payment is due, please submit your skip request five (5) business days in advance of the scheduled payment date.

Example: If your next loan payment is due on June 20th, you would need to submit your request no later than June 12th.

Skip-A-Pay may only be used once a year.

Auto loans, recreational loans, and personal loans that have not had Skip-A-Pay applied to them within the last year are all eligible for Skip-A-Pay. This includes boat loans, RV loans, 4-wheeler loans etc. However, home loans, Christmas loans, credit cards, and other lines of credit are not eligible.