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Support

We're here when you need us.

As a financial cooperative, you're more than a customer, you're a member. This means we make sure you can speak to a live person when you need to. We've organized a team of experienced Online Support Representatives to help you find a quick solution while always giving local, friendly service.

Online Support Center

Questions about your account? Talk or text with a live, experienced Online Support Representative five days a week by selecting "Click for help." in the bottom right corner.

Online Support Hours

Monday–Friday8:30am–5:00pm
Saturday–SundayClosed


Frequently Asked Questions

Everyday Banking

Routing Number

  • Where do I find Listerhill's routing number?

    Listerhill's routing number is 262277011. You can find our routing number anytime by scrolling to the bottom of the website. It is located next to our Main Office address.

Locations

  • Which holidays are you closed?

    We are closed on most major U.S. Federal Holidays. Our holiday hours can be found by clicking the Holiday Hours link toward the bottom of the Locations page.

  • What are your hours?

    Hours for every branch are located on our Locations page, located at the top of the website. Click on the branch that you wish to visit to learn its hours.

  • Where are you located?

    The address for each branch is located on our Locations page, located at the top of the website. To find the branch closest to you, click "Allow" when prompted for access to your location through your browser.

Branch Roles

  • Transitional Member Advocate

    A Member Advocate that will help the branch transition into the retail model.

  • Smart-ATM Tellers

    Assist the members in transactions on our Smart ATMs.

  • Senior Member Advocate

    Empowered advisors who guide members in their financial journey, but also assists in coaching staff and oversee balancing the branch.

  • Member Advocate

    Empowered advisors who guide members in their financial journey, from simple transactions to applying for a loan or new account.

  • Branch Manager

    Leads and coaches branch staff to sales and service excellence.

Checks

  • Do you have mobile deposit for checks?

    Yes! You can learn about how to use mobile deposit by logging into online banking and clicking Mobile Deposit. There, you will find step-by-step instructions on how to deposit your checks with your phone.

  • Are checks free?

    Depending on the type of account you have, free checks is one of our many benefits. If you have a Pick 5, Young At Heart, or Hill Checking Account, you have access to free checks.

  • How do I order checks?

    Order checks quickly and easily by hovering over Everyday Banking in the menu at the top of the website and click Order Checks. It will take you to our partner's website, Deluxe, where you can order new checks.

eStatements

  • How do I sign up for eStatements?

    To register for eStatements, log into your online banking account and click on either your Checking or Savings Account. Then click "Statements" above the history. If you are not enrolled, you will then be guided through registration.

  • How do I find my eStatements?

    To access your eStatements, log into your online banking account and click on either your Checking or Savings Account. Then click "Statements" above the history.

Online Banking

  • How do I sign up for Online Banking?

    Click the Login button at the top of the website. When the login box pops up, click Sign Up, located just underneath the Login button in the pop-up box.

Smart ATMs

  • The Smart ATM will not let go of my debit card! What should I do?

    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.

  • What are all these other accounts listed when I enter my information into the Smart ATM?

    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.

  • Why am I getting an error message on every Smart ATM?

    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.

SBA Paycheck Protection Program

  • When can I apply?
    • Starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
    • Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Who can apply?

    All businesses - including nonprofits, veterans organizations, Tribal business concerns, sole proprietorships, self-employed individuals, and independent contractors - with 500 or fewer employees can apply. Businesses in certain industries can have more than 500 employees if they meet applicable SBA employee-based size standards for those industries.

  • What do I need to apply?

    You will need to complete the Paycheck Protection Program loan application and submit the application with the required documentation to us by June 30, 2020.

  • What other documents will I need to include in my application?

    You will need to provide payroll documentation.

  • Do I need to first look for other funds before applying to this program?

    No. The usual SBA requirement that you try to obtain some or all of the loan funds from other sources has been waived.

  • How long will this program last?

    Although the program is open until June 30, 2020, we encourage you to apply as quickly as you can because there is a funding cap and we need time to process your loan.

  • How many loans can I take out under this program?

    Only one.

  • What can I use these loans for?

    You should use the proceeds from these loans on your:

    • Payroll costs, including benefits
    • Interest on mortgage obligations, incurred before February 15, 2020;
    • Rent, under lease agreements in force before February 15, 2020; and
    • Utilities, for which service began before February 15, 2020.
  • What counts as payroll costs?

    Payroll costs include:

    • Salary, wages, commissions, or tips (capped at $100,000 on an annualized basis for each employee);
    • Employee benefits including costs for vacation, parental, family, medical, or sick leave; allowance for separation or dismissal; payments required for the provisions of group health care benefits including insurance premiums; and payment of any retirement benefit;
    • State and local taxes assessed on compensation; and
    • For a sole proprietor or independent contractor: wages, commissions, income, or net earnings from self-employment, capped at $100,000 on an annualized basis for each employee.
  • Does the PPP cover paid sick leave?

    Yes, the PPP covers payroll costs, which include employee benefits such as costs for parental, family, medical, or sick leave.

  • How large can my loan be?

    Loans can be for up to two months of your average monthly payroll costs from last year plus an additional 25% of that amount. That amount is subject to a $10 million cap. If you are a seasonal or new business, you will use different applicable time periods for your calculation. Payroll costs will be capped at $100,000 annualized for each employee.

  • How much of my loan will be forgiven?

    You will owe money when your loan is due if you use the loan amount for anything other than payroll costs, mortgage interest, rent, and utilities payments over the 8 weeks after getting the loan. Due to likely high subscription, it is anticipated that not more than 25% of the given amount may be for non-payroll costs.

    You will also owe money if you do not maintain your staff and payroll.

    • Number of Staff: Your loan forgiveness will be reduced if you decrease your full-time employee headcount.
    • Level of Payroll: Your loan forgiveness will also be reduced if you decrease salaries and wages by more than 25% for any employee that made less than $100,000 annualized in 2019.
    • Re-Hiring: You have until June 30, 2020 to restore your full-time employment and salary levels for any changes made between February 15, 2020 and April 26, 2020.
  • How can I request loan forgiveness?

    You can submit a request. The request will include documents that verify the number of full-time equivalent employees and pay rates, as well as the payments on eligible mortgages, lease, and utility obligations. You must certify that the documents are true and that you used the forgiveness amount to keep employees and make eligible mortgage interest, rent, and utility payments. A decision will be made on the forgiveness within 60 days.

  • What is my interest rate?

    1.00% fixed rate.

  • When do I need to start paying interest on my loan?

    All payments are deferred for 6 months; however, interest will continue to accrue over this period.

  • When is my loan due?

    In 2 years.

  • Can I pay my loan earlier than 2 years?

    Yes. There are no prepayment penalties or fees.

  • Do I need to pledge any collateral for these loans?

    No. No collateral is required.

  • Do I need to personally guarantee this loan?

    No. There is no personal guarantee requirement.

  • What do I need to certify?

    As part of your application, you need to certify in good faith that:

    • Current economic uncertainty makes the loan necessary to support your ongoing operations.
    • The funds will be used to retain workers and maintain payroll or to make mortgage, lease, and utility payments.
    • You have not and will not receive another loan under this program.
    • You will provide documentation that verifies the number of full-time equivalent employees on payroll and the dollar amounts of payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities for the eight weeks after getting this loan.
    • Loan forgiveness will be provided for the sum of documented payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities. Due to likely high subscription, it is anticipated that not more than 25% of the forgiveness amount may be for non-payroll costs.
    • All the information you provided in your application and in all supporting documents and forms is true and accurate. Knowingly making a false statement to get a loan under this program is punishable by law.
    • You acknowledge that we will calculate the eligible loan amount using the tax documents you submitted. You affirm that the tax documents are identical to those you submitted to the IRS. And you also understand, acknowledge, and agree that we can share the tax information with the SBA's authorized representatives, including authorized representatives of the SBA Office of Inspector General, for the purpose of compliance with SBA Loan Program Requirements and all SBA reviews.

Rate & Fee Schedule

  • What is your rate and fee schedule?

    You can access our most current rate and fee schedule by downloading it here.

Credit Cards

Cards

  • How do I report a lost or stolen debit or credit card?

    Report a lost or stolen debit card or credit card by calling 1-888-918-7819. Or, if your debit card or credit card is loaded in the Listerhill Cards App, please tap on the card and choose the Lost or Stolen option.

  • I'll be traveling soon, will my debit or credit card work?

    To ensure that your debit or credit card will not be flagged while traveling, call 256-383-9204 or 1-800-239-6033 and let one of our contact center representatives know where you will be traveling to and how long your trip will be.

  • How can I make a credit card or loan payment from a different financial institution?

    To make a payment from a different financial institution, you can log into Online Banking, use our credit card mobile app, or call the Contact Center to make a payment for a credit card bill or loan.

Credit Card Rewards

  • What if I need to speak with someone about my Cash Rewards?

    Please call us at 800-239-6033 to speak with one of our representatives.

  • What are my credit card benefits?

    Not only do we offer the most competitive rates around with no annual fee, but we also provide several tools to help you get the most benefits from your Listerhill credit card. Go here to see a full list.

    (Need to review the card agreement? Go here to review our Consumer Credit Card Agreement and Disclosure.)

  • How can I spend or redeem my Cash Rewards?

    You can choose to apply your Cash Rewards as a statement credit or have the balance deposited into your Listerhill Share Savings Account. You may do so whenever you have a Cash Rewards balance (minimum of $5) in your CURewards account.

  • Where do I go to view my Cash Rewards?

    If you are already signed up for Online Banking but have not added your credit card, log in to your account and click the Services & Settings link (gear symbol) at the top right of the page. Then, under Online Accounts, click Add Account, fill in your card number, add a nickname, and then select Credit Card under Account Type. Then hit Add Account(s).

    It should take no longer than one (1) business day for your new card to appear in Online Banking.

    (Don't have Online Banking? Go here to sign up.)

    Once your card appears in Online Banking in the All Accounts / Money I Owe section, click on the account and then click Get Info from the menu. This will take you to the Account Home for your credit card. Here, you can sign up for eStatements, make a payment on your credit card, or view your transactions. To set transaction alerts, enable travel notifications, or report a lost or stolen card, please use our new cards app. Please go here for more information.

    From Account Home, click the Rewards link on the right to review your Cash Rewards info. Then click on the cashbackmall link to go directly to the site where you can choose how you wish to redeem your Cash Rewards (deposit to your Listerhill account or apply to your statement).

LCU Cards App FAQ's

  • What if I need help using the app?

    To get answers to your questions about the app, you can give one of our customer service representatives a call at 800-239-6033

  • How do I register for the credit card app?

    First, you want to download the app from the iTunes or Google Play store. Then you can register your card from your phone. You will need to create a user ID and password and answer security questions.

  • How do you use the information that I provide during registration?

    When you provide information during registration, we verify your identity to validate your account. We only store your security question, security answer, user ID, and password in our system.

  • Which phone carriers are supported?

    Our app supports all of the major US wireless phone carriers, including Sprint, T-Mobile, and Verizon.

  • How much does the app cost?

    We do not charge a fee to use the app, though keep in mind that you might be responsible for charges associated with your phone data usage.

  • How do I view my transactions in the LCU Cards app?

    Once your card is entered into the app, you can tap on the card image to view transactions.

  • Can I see my checking account balance on my debit card?

    No, but you can view pending or posted transactions on your debit card through the app. You can find your checking account balance through Online Banking or through the Listerhill app.

  • How do I add another card to the LCU Cards app?

    Swipe left to enter a new card once you have entered your first card.

  • How do I remove a card from the LCU Cards app?

    Tap on the top right of the card image (Card Settings). There, you can set a card nickname, make the card your default card, or choose to remove the card.

Cash Back Credit Card

  • What is better cash back or points?

    Cash back and points offer their own set of benefits. You have more flexibility with what you can do with your cash back reward, and you can use points for specific benefits. Ultimately, it depends on your preferences.

  • Why do credit cards offer cash back?

    Credit card companies can offer cash back because merchants that accept payments via credit card have to pay a percentage of the transaction fee to the credit card company. In this case, the credit card company can decide to share the merchant fee with you in the form of a cash back offer.

  • How does a cash back credit card work?

    Our cash back credit card gives you a flat rate of 1% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.

  • Is it worth getting a cash back credit card?

    If you can find one that also offers a low-interest rate, it’s worth getting a Visa cash back credit card. When you use a cash rewards credit card, you get rewarded for making everyday purchases. As long as you practice good spending habits, you’ll enjoy the benefits.

  • How soon can I redeem my Cash Rewards?

    You can begin redeeming your Cash Rewards as soon as you have a balance over $5 available in your Rewards account! You have the option to apply the balance as a statement credit or have the amount deposited into your Listerhill Share Savings Account.

Merchandise Rewards

  • How do I redeem my Merchandise Rewards?

    The easiest way to redeem your Merchandise Rewards is to log into Listerhill’s Online Banking and click the “Get Info” link to the right of your credit card information. This will take you to our credit card servicing site within the same window. Select “Rewards” on the upper right side within the screen (below FICO Score) and on the next screen, click on the CURewards logo. This will automatically sign you in to be able to redeem your Merchandise Rewards points!

  • What are my credit card benefits?

    Not only does Listerhill Credit Union offer the most competitive rates available with no annual fee, but we also provide several tools to help you get the most out of your Visa Platinum Rewards card. Click here to see a full list.

  • What if I need to speak with someone about my rewards?

    Please call us at 800-239-6033 to speak with one of our representatives.

  • How do I open my credit card?

    To open your credit card, you can apply online or give us a call at 800-239-6033 to speak with one of our credit specialists.

  • How do I qualify for a Visa Platinum Rewards card?

    To qualify for a credit card, you will need to provide information related to your employment, along with permission for us to perform a credit check. If you have the income and financial background to support additional credit, you should qualify. If not, we will advise you as to why your application was denied.

  • Are my rewards points transferable?

    Yes, but only to another Merchandise Rewards card at Listerhill.

  • What interest rate will I get?

    Your interest rate will be determined after you submit your application. Many factors, including your credit score, help to assess your interest rate.

  • How do I earn points?

    You earn one point for every dollar you spend on eligible purchases with your Visa Platinum Rewards credit card. We keep track of your points and include your balance on your monthly account statement so you know where you stand.

  • What is a Visa Platinum Rewards Credit Card?

    A Visa Platinum Rewards credit card is designed to provide you with the opportunity to earn rewards with each use.

Business Credit Card

  • What can I expect in regard to credit limit?

    The credit limit on your Listerhill business credit card will be dictated by numerous factors, including your current debt-to-income ratio. Although there is no single answer to this question, it is worth noting that small business owners in 2016 had a median total credit limit of $56,100 across all of their credit cards. If you are concerned about the credit limit you are granted, our account representatives are here to provide you with assistance.

    Your credit limit may also be affected by your personal credit score. If your FICO score is below a certain threshold, you could find yourself with a lower credit limit than you would like. The good news is that there are many steps you can take to improve your FICO rating, ultimately increasing your credit limit over time.

  • Will my personal credit be impacted?

    Generally, business owners’ personal credit scores are not affected by business credit card applications. Talk to your Listerhill Credit Union representative if you have any questions regarding your personal credit score and how it could be impacted.

    It is important to note that if your Listerhill business credit card activity does appear on your personal credit report, there will be no differentiation between the two. In other words, business expenditures will be treated the same as personal purchases by the credit bureaus. Thus, it is crucially important to keep your new business Visa in good standing.

  • Why should I choose the Listerhill Business Credit Card?

    We know you have a lot of choices when it comes to applying for a business credit card. At Listerhill Credit Union, we take pride in providing our clients with more benefits than they can count! First and foremost, you will have access to the best customer service in the industry. You are more than a number to us and we will always be here to provide you with the assistance you need.

    We also provide our clients with peace of mind if their Visa cards become lost or stolen. Whether you drop your card while running errands locally or it gets stolen on an overseas business trip, our team is here to make sure you are taken care of.

    Finally, the advantages of the Listerhill Business Visa itself are worth the application. Our rates and fees will always remain competitive, so you can trust you’re never paying too much for your business expenses. You will also earn the aforementioned rewards on eligible purchases every time you use your card.

Loans

Skip-A-Pay

  • Which loans are eligible for Skip-A-Pay?

    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.


  • When should I request Skip-A-Pay?

    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.

  • How do I request Skip-A-Pay?

    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.

  • What is Skip-A-Pay?

    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.

  • What loans are not eligible for Skip-A-Pay?
    1. Real Estate Loans (1st and 2nd Mortgage and Home Equity Lines)
    2. Business Loans
    3. Lines of Credit (Kwik Kash, Anytime Credit, Overdraft Protection, 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.

Mortgage

  • When does it make sense to refinance a mortgage?

    Refinancing your home loan can be a great option to secure a better loan for your current circumstances and future goals. It makes sense to refinance your mortgage if one of the benefits will be helpful for you:

    • Secure a lower interest rate
    • Reduce your mortgage term
    • Switch from an adjustable-rate mortgage to a fixed-rate mortgage or vice versa
    • Borrow against the equity in your home


    If doing any of the above would benefit you, refinancing might be the next best move.

  • You might prefer an adjustable-rate mortgage over a fixed-rate mortgage if...
    • You plan to move before the introductory rate expires.
    • You want a lower payment during your initial payment period.
    • You think rates will drop in the future.
    • You are planning on relocating before the rate adjusts
    • You know you will be paying off the loan in a few years
    • You need to move fast and have limited time to secure a down payment
    • You do not qualify for a 30-year fixed-rate mortgage, but want a 30-year payment schedule
    • Your payment could decrease if the index against which your ARM is benchmarked drops
  • A 5/5 adjustable rate-mortgage is right for you if...

    A 30-year ARM with a fixed interest rate for the first five years, then fluctuating every five years.

    A 5/5 ARM is best if you want to lock in a low rate over a longer period and maintain the same rate over an extended time.

    With a 5/5 adjustable-rate mortgage, you can go 10 years with only one rate adjustment, whereas with other lenders, you could experience up to six rate changes in the same time period.

  • A 3/3 adjustable-rate mortgage is right for you if...

    A 30-year ARM with a fixed interest rate for the first three years, then fluctuating every three years

    A 3/3 ARM is best if you want to lock in the lowest rate, but over a shorter period and are okay with the rate fluctuating more often.

  • Why choose Listerhill for my mortgage?

    At Listerhill, our focus is on “people helping people.” When you purchase a home, we want to offer you the support you need from application to closing.

    As a nonprofit cooperative owned and operated by its members, you own an equal “share” in Listerhill and vote in elections for the Board of Directors and Supervisory Committee. That means your voice is always heard, and in turn, our actions reflect your needs and desires.

    Our mortgage rates, terms, and policies will always reflect your needs in securing the best credit union mortgage loan in Alabama.

    Apply Now

  • What are the requirements for fixed-rate mortgage qualification?

    To qualify for a fixed-rate mortgage, we will look at your financial background to determine whether you have a manageable level of debt, steady income, and good credit history.

    Debt to income ratio: We will review your debt to income ratio (DTI) to ensure you don’t have more debt than your income can manage. A recommended DTI, including your mortgage payment, is no more than 43%.

    Steady income: Whether you’re self-employed or have a W2 job, we want to ensure that you have a stable work history showcasing your likelihood of being able to afford your home now and in the future. Two years of consistent employment are typically required to qualify for a home loan.

    Credit history: Your credit score is a significant indicator of your financial responsibility. We will review your credit history and credit score to determine whether you have the background that showcases your ability to manage mortgage payments.

    Down payment: For in-house 25 & 30-year loans, a down payment is required no matter the credit score. The more down payment you put down, the lower your interest rate. The sweet spot is 20%. This also gives you more equity in your home to use down the road for getting cash out for updates, improvements, or emergencies that may arise.

    While we look at these four factors to help you qualify for a mortgage, we also realize you’re a person and will review your full profile and speak with you directly to get you the loan you want and can afford.

  • What is a fixed-rate mortgage?

    A fixed-rate mortgage allows you to lock in one interest rate for the life of your loan. With a set interest rate, you also have a fixed monthly mortgage payment.

    This enables you to easily budget for your mortgage payment without worrying about it increasing or decreasing over time.

  • Is it better to refinance with a credit union?

    In many situations, yes. Refinancing with a credit union can allow you to secure lower interest rates, flexible qualifications, and credit counseling to support you in being financially prepared to qualify and successfully maintain your mortgage.

  • Does it matter who your mortgage is with?

    Yes because choosing the right lender for your home loan or refinance can lead to a better transaction overall. This is especially important if you are a first time homebuyer or attempting to qualify under special circumstances.

  • Is a credit union better for mortgages?

    Securing a mortgage through a credit union is preferable for many seeking to purchase a new home or refinance. Credit unions often offer more competitive mortgage rates in Alabama and are more flexible with their terms and conditions.

Fixed Rate Mortgages

  • A 30-year mortgage is right for you if...

    you want to keep your monthly payment low and don’t mind paying more for your home over the life of the loan.

  • A 25-year mortgage is right for you if...

    you want to take a little more time to pay off your loan than 20 years to keep your monthly payment low, while also saving in interest compared to a 30 year mortgage.

  • A 20-year mortgage is right for you if...

    you want to experience the best of both worlds by saving on interest while paying a bit more each month.

  • A 7, 10 or 15-year mortgage is right for you if...

    you want to pay the least for your home over the life of your loan, and you have extra in your budget for a higher payment.

Construction Loan

  • What does Interest-Only Mean?

    With an interest-only loan, you are only responsible for paying the interest on the amount you draw from the construction loan each month.

    Here’s an example.

    If you draw $15,000 in January, you pay 4.99% on $15,000

    If you draw an additional $25,000 in February, you pay 4.99% on $40,000 ($15K from January + $25K from February)

  • What is a Construction Loan?

    A home construction loan provides you with financing to build your dream home.

    With terms up to 12 months, this short-term loan covers your costs, including land, contractor labor, building materials, and more, until your home receives an occupancy certificate.

    Once your home is ready to move in, you will then secure a traditional home mortgage.

Land Loan

  • What is a land loan?

    A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land.

    Once you’re ready to build, you can secure a different type of loan to cover construction costs.

  • What information should I know before securing a land loan?

    When you purchase land, you want to ensure that it can be used for the desired purpose. That involves having certain information about the land in advance, such as the items listed below:

    • Land survey to know the boundaries of the property
    • Property easements so you know who has permission to enter or use your land for sewer pipes or cable wires
    • Title search to see what easements are on your land
    • Zoning laws to determine whether the land is zoned for residential use, commercial use, or another option
    • Flood hazard risk, so you’re aware of any extreme weather risks
    • Appraisal so you know the value of the land compared to similar options

Home Equity Loan

  • What can home equity loans be used for?

    Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks. If you can dream it, you can achieve it!

  • What type of requirements exist for home equity loans?

    Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.

  • How do home equity loans work?

    Also known as a second mortgage, home equity loans work by borrowing against the value of your home’s current equity. You may calculate this yourself by subtracting the amount you owe on your mortgage from the value of your home. Home equity loans provide lump-sum funds at fixed rates, creating affordable monthly payments that are consistent and affordable.

The Great Giveback

  • The Great Giveback Official Rules

    1. Eligibility: No purchase or obligation necessary to participate and win. All participants must be 19 years of age or older at time of contest participation. Employees of Listerhill Credit Union are not eligible to register for the contest.

    2. How To Enter the Contest: All Listerhill members who have consumer loans in good standing, (subject to limitations below) are automatically entered. Anyone who takes out a new loan with Listerhill Credit Union, or refinances a loan from another lender with Listerhill Credit Union (subject to limitations below) will automatically be entered to win. Limit of one entry per loan.

    NO PURCHASE NECESSARY: To enter the contest without a loan, send a self-addressed, stamped envelope to: Listerhill Credit Union, P.O. Box 566, Sheffield, AL 35660, Attn: Great Giveback Contest Entry. Limit one entry per person. Written entries must be received no later than July 3, 2021.

    Listerhill Credit Union will not be responsible for incomplete, lost, late, misdirected or illegible entries or for failure to receive entries. All entries become property of Listerhill Credit Union and none will be returned. Any questions regarding the number of entries submitted shall be determined by Listerhill Credit Union in its sole discretion, and Listerhill Credit Union reserves the right to disqualify any entries by persons determined to be tampering with, violating, or abusing any aspect of the contest.

    3. Contest Entry Requirements: In the event the Credit Union, in its sole discretion, determines that any Entry contains content that does not comply with these Official Rules or does not otherwise comply with regulatory guidelines, Credit Union reserves the right to disqualify the entry.

    4. Determining the Winner: A Credit Union employee will select at random four (4) $500 winners (one per day July 12-15) and one Grand Prize Winner from all entries received on July 16, 2021. You do not have to be present to win.

    5. Prizes: $500 Cash Prize: the Credit Union will award four (4) members with $500 cash each. Grand Prize: The Credit Union will pay up to $25,000 toward your loan with Listerhill Credit Union, or combination of loans. No loan payments will be made to loans with any other lender. No cash equivalent provided, and the total prize amount may be less depending on the outstanding amount of loan balance(s) with Listerhill Credit Union. In no event will the prize awarded exceed the total amount of the winner’s outstanding balance of qualifying loans with Listerhill Credit Union. Federal, state and local taxes are the sole responsibility of the winner. IRS regulations require the Credit Union file a 1099 on behalf of the winner.

    A Credit Union employee will call the prize winners and the prize winners will be called up to five times during regular business hours at number provided on entry form and will leave no messages. Failure to reach winner during these calls may result in disqualification of winner, forfeiture of his or her interest in all prizes, and selection of a substitute winner drawn from the drum. Winner will be required to schedule a time, at least 48 hours in advance, to visit Listerhill Credit Union, located at 4790 2nd Street, Muscle Shoals AL, 35661 in person, during regular business hours within seven (7) days of being notified to claim prizes by providing proof of eligibility for prize won and completing and signing an affidavit of eligibility and a liability and publicity release. Failure of any Winner to timely contact the Credit Union, visit the above Credit Union office in person and sign and return any required affidavit and release, or to claim a prize or comply with any term or condition of these Official Rules, will result in drawing Winner's disqualification and the forfeiture of his or her interest in the prize. Winners may waive their right to receive prizes. Prizes are non-assignable and nontransferable. No substitutions allowed by winner.

    6. To be eligible to win, all loans must be in good standing (not more than 30 days past due at the time of drawing. Eligible loans are limited to auto loans (no indirect dealer loans), personal loans (no loans secured by real property, such as mortgages, 2nd mortgages, and Home Equity Lines of Credit) and recreation loans made to consumer borrowers (not business or commercial loans).

    6. Participation. By participating, entrants agree to be bound by these Official Rules and the decisions of the Contest. Except where prohibited, acceptance of any prize constitutes winner's consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. Prizes not won and claimed by eligible winners in accordance with these Official Rules will not be awarded and will remain the property of the Credit Union.

Repos

  • Where are the repos?

    You can find our repos by scrolling to the bottom of the website and clicking Pre-Owned Vehicles and Foreclosures.

Other Common FAQs

Gift Cards

  • What is the Visa Gift Card?

    Your Listerhill Credit Union Visa Gift Card is a prepaid Visa Debit Card with a specific dollar value. Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted.

  • Do I need to Activate my Gift Card before I use it?

    Your Listerhill Credit Union Gift Card is not active when you receive it. To activate the card, call 1-866-902-6082 or visit www.listerhill.com/giftcard.

  • How can I check the balance on my Gift Card?

    Call the number on the back of your card for balances and transaction history or visit www.listerhill.com/giftcard.

  • What should I do if my Visa Gift Card is lost or stolen?

    Contact Listerhill Credit Union Visa Gift Card Center immediately at 1-866-902-6082. Additionally, read our Visa Gift Card Terms and Conditions for important Visa Gift Card information.

  • What happens when the funds are spent?

    When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.

  • What do I do if I need to return an item?

    In the event you need to return an item you purchased with your Visa Gift Card, the merchant will handle the item in accordance with Visa guidelines. The merchant may credit your card (put the funds back on the card) thereby increasing your available funds.

  • What if the item I want to purchase exceeds the value of my Gift Card?

    If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference in cash, check, credit or debit card. If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will not be approved.

  • What should I do when the merchant’s sales terminal asks me to press “Debit” or “Credit”?

    You should always press the “Credit” button. Although the Visa Gift Card is not a credit card, the transaction is processed like one. You should always sign a sales receipt.

  • When I swipe my card, the terminal asks me input my PIN. What is my PIN?

    A Personal Identification Number (PIN) is available by calling 1-866-902-6082 or at www.listerhill.com/giftcard.

Live Fee Free

  • How does the Maintenance Fee contribute to Listerhill's sustainability?

    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!)

  • How can I avoid the new Maintenance Fee?

    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 Financial Services department

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

  • Why is the Maintenance Fee being charged?

    As a nonprofit financial cooperative, we help our members play an active role in their finances, encouraging them to save and borrow money with us which is key to Listerhill’s sustainability, creating value that is ultimately returned to member-owners like you! In the past, we charged a $10 relationship fee that helped cover the costs of servicing member accounts. We felt we could serve you better, so we replaced the relationship fee with a new $5 maintenance fee based on your investment in the cooperative.

Listerhill Works FAQs

  • What are the benefits of becoming a Listerhill Works partner organization?

    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!

  • How do your employees benefit from being a Listerhill Works partner?

    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 protection

    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. Visa Platinum Merchandise Rewards

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

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

    20. Access to financial wellness education courses and information.

Community

  • How do I request a donation from Listerhill?

    To request a donation for a community event, please click Community at the top of the website and scroll down the page until you see the Request a Donation button on our page.

Careers

  • Do you have any jobs open?

    All career opportunities with the credit union are posted in the Careers page, located at the bottom of every page.

Eligibility

  • How am I eligible for membership at Listerhill if I don't live near a branch?

    You can become eligible for membership at Listerhill anywhere in Alabama if you join the Alabama Consumer Council or the Athens State Alumni Association. In Tennessee or Georgia, you can also become eligible for membership if you join the Athens State Alumni Association. This membership is initiated at no cost to you and doesn't require any setup on your part outside of the normal application process to become a member of Listerhill.

  • Can I open a Listerhill account online?

    You can open your Listerhill account, loan, or credit card from the comfort of your home with our easy online application. Or, if you want to apply for a mortgage, you can learn more about our offerings and start your application here.

  • Am I eligible for membership at Listerhill?

    If you live, work, attend school, or own property anywhere in Alabama, Tennessee, or Georgia, you're in luck! You're eligible to become a Listerhill member. You're also eligible to join Listerhill if you're related to someone who's already a member.

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Frequently Asked Questions

  • Is there a Listerhill branch in Athens?

    Our Listerhill branch in Athens, Alabama is under construction will be open and ready to serve you in spring 2022! Until then, our closest branch to the Athens, AL area is in Rogersville.

  • How is Listerhill involved with Athens State University?

    Because Listerhill also serves the Athens and Limestone County (Alabama) communities, Listerhill has recently partnered with Athens State in several ways. This includes providing $25,000 for the University’s Reading and Literacy Lab, partnering with the Athens State Alumni Association to provide access to Listerhill’s financial products and services for anyone outside Listerhill’s traditional field of membership, and providing even more free financial literacy courses to complement what the University offers to students and staff members for personal development.

  • What is the benefit of membership with Listerhill?

    At Listerhill, our focus is on “people helping people.” Whether you are looking to purchase your forever home, find your next car for that commute, or open a checking account to manage your everyday finances, we can offer you the support you need from beginning to end.

    As a nonprofit cooperative owned and operated by its members, you own an equal “share” in Listerhill and vote in elections for the Board of Directors and Supervisory Committee. That means your voice is always heard, and in turn, our actions reflect your needs and desires.

  • What is your rate and fee schedule?

    You can access our most current rate and fee schedule by downloading it here.

  • How am I eligible for membership at Listerhill if I don't live near a branch?

    You can become eligible for membership at Listerhill anywhere in Alabama if you join the Alabama Consumer Council or the Athens State Alumni Association. In Tennessee or Georgia, you can also become eligible for membership if you join the Athens State Alumni Association. This membership is initiated at no cost to you and doesn't require any setup on your part outside of the normal application process to become a member of Listerhill.