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Not a member yet?

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.

Getting up to 1% off your loan rate with Listerhill is swell!

On auto, personal and recreational loans

Back in 1952, Listerhill Credit Union was founded by seven workers at Reynolds Metals Co. because - well, things were not swell.

Predatory lenders were causing employees at the aluminum plant to lose their jobs when they fell behind on payments. They were being charged high interest rates and mounting late fees. Sadly, this same practice still exists today with many big banks and lenders. So, we're going back to our roots and our mission to better lives in our community by making lending with us personal.

Bring Listerhill your auto, personal and/or recreational loan and we'll give you up to 1% off your loan rate!*

When you bring us your loan, not only will you get our most competitive rate, we'll give you relationship pricing. Meaning that when you achieve certain "relationship" steps, we'll give you 0.25% off your rate. That's how we're able to give you up to 1% off your current loan rate!*

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Having a relationship with us is easy!

Everyone deserves to get the most out of their investment. At Listerhill, we want to be more than your lender - we want to be your neighbor! That's why we make achieving our relationship steps and getting relationship discounts easy.

Get 0.25% off your current loan rate when you:

  • Open a Listerhill Everyday or Growth Checking account
  • Set up direct deposit to a new or existing Listerhill account
  • Set up automatic payments for a new or existing Listerhill account
  • Open a Listerhill Signature Rewards or Platinum credit card
  • Bring your loan to Listerhill from another financial institution
Already a member with a strong relationship? We've got you in mind!

We're so thankful for our members who have already taken steps to strengthen their relationship with our cooperative. You deserve to benefit from relationship pricing whether you've banked with Listerhill for 5 days or 50 years! That's why new and existing Listerhill members are both eligible to take advantage of relationship pricing!

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Take advantage of relationship pricing!

We are excited and ready to meet you! When you complete our short contact form below, your information will be provided to one of our qualified Loan Officers.

They will reach out to you to help you learn more about what it means to lend with Listerhill Credit Union and how you can benefit not only from relationship pricing, but by being a part of a financial cooperative!

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%: 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 6% 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.

Personal loan terms from 48 to 72 months. APR as low as 10.99%. As low as rate includes a maximum relationship pricing discount of 1.00%. The payment on a $10,000 loan would be $217.37 per month by using the $21.74 per $1,000 at a non-variable interest rate of 10.99% APR with a 60-month term. This equates to total repayment of $13,042.46 over the life of the loan.

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Common Links

Frequently Asked Questions

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.