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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.

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Listerhill Credit Union (en-US)

Power Your Next Hit: Flexible Financing for Songwriters

As a proud sponsor of the Muscle Shoals Songwriters Festival, Listerhill Credit Union offers access to loans and lines of credit to help you create, tour, and invest in your passion.

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Welcome to the birthplace of legendary music!

The sound of Muscle Shoals has shaped the careers of icons like Aretha Franklin, The Rolling Stones, and Lynyrd Skynyrd. At Listerhill Credit Union, we’re passionate about keeping that tradition alive by supporting the creative spirit of musicians like you.

In a similar way, Listerhill's mission strives to shape communities for the better by helping our members live happy and healthy financial lives. At our core, we are a financial cooperative seeking to put people over profit and offer an alternative to traditional, profit-driven banking.

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Fuel your creativity with the right financial support.

At Listerhill, we understand that financing your music career comes with unique challenges. That's why we're offering musicians participating in the Muscle Shoals Songwriters Festival the opportunity to access loans and lines of credit with flexible terms and competitive rates. Our lending team is here to work with you every step of the way.

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Competitive Rates: Financing in Perfect Harmony

Personal Loan Rates

Loans APR Maximum Term
Unsecured Personal as low as 11.24% 72 months
Effective 6/1/2025

APR = Annual Percentage Rate. All rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply. All loans and credit cards are subject to credit approval. Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply.

Benefits of Our Loans & Lines of Credit
Competitive Rates

As a nonprofit cooperative, we keep our loan rates competitive by returning profits to our members in the form of better rates.

No Application Fees

Ever.

Apply Conveniently

Apply for a personal loan in the way you find most convenient: online, in a branch, or over the phone.

Pay Back on Your Terms (General Loans)

Consult with one of our friendly loan officers about a payback term that fits your goals.

Convenient Payment Options (General Loans)

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Waived Maintenance Fee

Enjoy the perk of no Maintenance Fee with your Listerhill membership while your Listerhill loan is open or has been open within the last 12 months.

Speedy Application (General Loans)

Apply for your loan in 10 minutes or less with our quick, easy online application.

Getting started is easy.

Ready to take your music to the next level? Fill out our short form below, and one of our dedicated lending specialists will reach out within one business day to discuss your options. Whether you're looking for a line of credit or a personal loan, we're here to help you finance your next big project.

Give us a brief description of what you need our help with.
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Inspired by Muscle Shoals Music history.

For decades, Muscle Shoals has been the birthplace of unforgettable music and continues to have a way of shaping the future of music today. We believe in supporting local talent. Our loans and lines of credit are designed to help you focus on what matters most - your music. Let Listerhill Credit Union be your financial partner.

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Why choose Listerhill?
Your financial partner in music and more.

Listerhill Credit Union has been serving the Shoals community and beyond for over 70 years. We've built our reputation on trust, personal service, and a commitment to helping individuals and businesses in our field of membership thrive.

Our team understands the financial needs of musicians and entrepreneurs, and we're here to offer the support you need, whether it's for your next project or to grow your career.

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Hit the right note with 2% cash back on every purchase!

Listerhill's Visa Signature®Rewards Credit Card is made to support the rhythm of your life with 2% cash back on every purchase.

Whether buying gear, booking a studio, or covering travel for your next gig, our Signature®Rewards Card gives you the flexibility to stay in tune with your financial goals. It’s not just about spending—it’s about making every purchase an encore-worthy moment.

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Find your groove with a Listerhill Everyday or Growth Checking account!

Listerhill Credit Union checking accounts offer benefits designed for convenience and growth. With Everyday Checking, you can avoid fees and minimum balances, while Growth Checking allows you to earn interest on your deposits with low to no fees. Access your accounts anytime through our 24/7 online and mobile banking services, and enjoy peace of mind with our overdraft services. 

Opening an account is quick and easy—you can complete the process online in 10 minutes or less. Plus, receive a free, instant-issued Visa debit card at participating Listerhill branches, so you’re always ready to go.

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© 2025 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • What happens when federally insured credit unions merge?

    If a member has accounts in credit union A and credit union B, and credit union A merges into credit union B, accounts of credit union A continue to be insured separately from the share deposits of credit union B for six months after the date of the merger or, in the case of a share certificate, the earliest maturity date after the six-month period. In the case of a share certificate that matures within the six-month grace period that is renewed at the same dollar amount, either with or without accrued dividends having been added to the principal amount, and for the same term as the original share certificate, the separate insurance applies to the renewed share certificate until the first maturity date after the six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.

  • What happens if a federally insured credit union is liquidated?

    The NCUA would either transfer the insured member's account to another federally insured credit union or give the federally insured member a check equal to their insured account balance. This includes the principal and posted dividends through the date of the credit union's liquidation, up to the insurance limit.

  • If a credit union is liquidated, what is the timeframe for payout of the funds that are insured if the credit union cannot be acquired by another credit union?

    Federal law requires the NCUA to make payments of insured accounts "as soon as possible" upon the failure of a federally insured credit union. While every credit union failure is unique, there are standard policies and procedures that the NCUA follows in making share insurance payments. Historically, insured funds are available to members within just a few days after the closure of an insured credit union.

  • What happens to members with uninsured shares?

    Members who have uninsured shares may recover a portion of their uninsured shares, but there is no guarantee that they will recover any more than the insured amount. The amount of uninsured shares they may receive, if any, is based on the recovery of the failed credit union's assets. Depending on the quality and value of these assets, it may take several years to conclude recovery on all the assets. As recoveries are made, uninsured account holders may receive periodic payments on their uninsured shares claim.

  • What happens to my direct deposits if a federally insured credit union is liquidated?

    If a liquidated credit union is acquired by another federally insured credit union, all direct deposits, including Social Security checks or paychecks delivered electronically, will be automatically deposited into your account at the assuming credit union. If the NCUA cannot find an acquirer for the liquidated credit union, the NCUA will advise members to make new arrangements.

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