You can avoid the new $5 Maintenance Fee entirely when you meet just one of the following requirements:

• You or someone in your household has had a current Listerhill loan or mortgage within the last 12 months

• You or someone in your household has an open Listerhill credit card

• You or someone in your household has an aggregate average daily balance of $1,000 in your accounts

• You or someone in your household has a relationship with our Listerhill Investment Services department

• You have paid at least $125 in NSF, Transfer, or Overdraft 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

In the past, we charged a $10 Relationship Fee to help cover the cost of servicing members' accounts. We felt we could serve you better by removing this fee and establishing a lower fee based on your investment in the cooperative. Encouraging our members to save and borrow with us is key to Listerhill's sustainability, plus it creates value that it ultimately returned back to our member owners (like you!)

Going to college is an exciting time in any young person’s life. New friendships will be made, interesting adventures and experiences await, and many things will be learned in the classrooms. Before moving into dorms and attending their first classes, however, students must make sure they have everything they will need to succeed. One of the most important things that college students should consider in their preparations is a college checking account and debit card. ...

You just graduated - congratulations! By definition, graduation is a state of transition and students no longer are students in the typical sense. It’s easy to make mistakes during this transition, and they can create serious problems later in life. Here are some of the common questions students face while in this transition and how to deal with them....

Money doesn’t grow on trees, and most people work very hard for what they have. To help save money, many people use budgets, clip coupons, only buy new when things are on sale, and shop at thrift stores and flea markets. Money saved is money earned, right?

But there’s a way to potentially save a lot of money that is often overlooked – refinancing your mortgage when interest rates go down. Depending on the amount of the mortgage and the terms, the savings could be significant. Refinancing when mortgage interest rates drop one or two points could result in thousands of dollars in savings over the life of your loan.

1. Lifetime credit union membership

2. Competitive rates on a wide range of savings products like:

• Share Savings
• Money Market
• Certificates
• IRAs
• My Goal Savings
• Explorer Rewards

3. A wide range of loan products like:

• Auto loans
• Personal loans
• Recreational loans

4. Competitive loan and savings rates.

5. 24/7 account access with Smart ATMs, Online and Mobile Banking, or by telephone with Automated Access. The choice is yours.

6. eStatements

7. Overdraft Services

8. Up to 3 overdraft refunds per year on us.

9. First box of checks free when you open your new checking account.

10. Free Visa debit card with rewards or a UNA Keystone Debit Card to show your #lionpride and give back to the University.

11. Checking accounts with no minimum balance required.

12. Interest-earning checking accounts

13. Free Online Banking with features like:

• Free Online Bill Pay
• PopMoney
• Notify Me Alerts
• Personal Finance Manager

14. 24/7 Access to Smart ATMS with features like:

• Make a deposit
• Get exact change
• Make loan payments
• Speak with a real, local representative

15. Access to 5,000 CO-OP Shared Branches nationwide for easy access to your money wherever you go.

16. Visa Platinum Cash Back card with 1% cash back on everything you buy.

17. A full-service mortgage lending department and your mortgage stays with Listerhill for the life of the loan.

18. A full-service financial planning department that gives you personalized, local service.

19. Access to financial wellness education courses and information.

1. Completely free program and zero liability to your company.

2. Easy to implement – requires no additional staffing or resource allocation.

3. Builds employee loyalty and helps your organization stand out in a competitive employment market.

4. Encourages financially stable employees through free on-site financial workshops.

5. Initial on-site employee orientation; re-orientations and free financial seminars available. Once signed up, our SEG partner organizations are offered a free 30-40 minute on-site orientation to educate employees about the benefits of belonging to the Listerhill Credit Union financial cooperative. This informative and helpful session gives your employees a chance to ask questions and learn about the many benefits, products and services that membership provides them. Once on board, we also offer Listerhill Works partner organizations free Lunch n’ Learn seminars for employees. Topics include creating a budget, paying for college, debt management and how to buy a home.

6. Credit union support at benefit fairs and open enrollment.

7. Same-day account opening – we can immediately assist your employees who would like to open an account during our visit.

8. Free informational materials – We provide all materials at no charge, including brochures and financial wellness educational workbooks

9. Free participation in employee benefits fairs, new employee orientation meetings and other organizational events.

10. No hassle partnership – we do all the work!