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HOLIDAY:

All branches will be self-service only Monday, May 25th, for Memorial Day. Normal business hours will resume Tuesday, May 26th. Smart ATMs and Online and Mobile Banking will remain available.

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Market Insight Quarterly | Q2 2025

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Common Scams & Fraud

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Protect Yourself from Scams & Fraud

FAQ

How can I protect myself from Identity Theft?

Monitor financial statements and credit reports regularly. Set fraud alerts/freezes with credit bureaus if anything suspicious appears.

FAQ

What should I know about scams targeting older adults?

Scammers often use family emergencies or tech threats to press older adults into payment. Encourage your loved ones to verify with you or Listerhill before sharing personal information or funds.

FAQ

How do I verify if a nonprofit or charity is real?

If you receive an unsolicited donation request, look them up independently, avoid urgent donation pressure, and never send money via untraceable methods like cryptocurrency.

FAQ

What's the deal with overpayment scams?

Scammers may "accidentally" send you more money than asked, only to ask for the excess back. Once the original payment bounces, you're out the extra money.

FAQ

What makes phishing emails so dangerous?

Phishing emails mimic legitimate organizations to trick you into sharing sensitive information or downloading malware. Scammers often use urgency, threats, or fake links to do it.

FAQ

Is online banking safe despite scams?

Yes, but only if you protect your devices, always check for secure links, use strong passwords, and log out on shared/public devices.

FAQ

What should I do if I think I've been scammed?

Immediately stop communication, preserve all evidence (emails, texts, logs), report it to Listerhill, the FTC (ReportFraud.ftc.gov), IC3 for internet crimes or your local law enforcement.

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Frequently Asked Questions

Do you need to be a Listerhill Credit Union member to apply for a Money Market Account?
Yes, you do need to be a Listerhill Credit Union member to apply for a Money Market Account. To qualify for membership with Listerhill, you must meet one of the following requirements:
- You must live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee.
- 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 does a tiered dividend rate structure work?

Money market accounts typically offer tiered dividend rate structures. That means account balances above certain thresholds earn a higher rate. For example, Listerhill Credit Union offers progressively higher APYs on amounts above $9,999, $49,999, and 99,999. It’s important to realize that only the portion of your deposit above this threshold will earn the higher rate, while the amount below will continue to earn dividends at the lower rate.
Where is the best place to open a money market account?

Credit unions offer more generous dividends on average than other banking institutions, as well as fewer fees and charges. Credit Unions also offer more personal service to help you set up and manage your money market account.
What do you need to open a money market account?
In order to open a Listerhill Credit Union Money Market Account, you need to be a member of Listerhill Credit Union. You’ll also need:
- Proof of identity, such as drivers license, state ID card, or passport
- An opening deposit of at least $15 to cover the low balance fee
How do credit union money market accounts work?

Credit Union Money Market Accounts allow you to earn more money in dividend payments by offering progressively higher rates for amounts above $9,999, $49,999, and $99,999. Only the portion above the threshold earns the higher dividend rates. Because credit unions are not-for-profit financial cooperatives owned by and run on behalf of their members, dividend rates are higher on average than those offered by commercial bank accounts.