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Annual Meeting 2019

You're Invited To Our 2019 Annual Meeting

As a not-for-profit that is cooperatively owned by you (our members), we all benefit when you engage and participate in credit union ownership. That’s why we are inviting you to attend our 2019 Annual Meeting. It’s an opportunity for you to meet your management, elected board, and many Listerhill employees who serve our membership. We will use this meeting to report on last year's performance and discuss future plans for Listerhill Credit Union.

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Your Voice Literally Counts

When you opened your first account with Listerhill Credit Union, you deposited a small amount into your savings for which has stayed locked into that account ever since. This deposit represents a share of ownership, giving you rights and privileges as an owner of the credit union.

One of those rights is a vote to elect the Board of Directors, your representatives, at the Annual Meeting. This is what sets credit unions apart from other financial institutions like banks. It's the Board of Directors responsibility to oversee the credit union and serve its membership with decisions based on what will best benefit the credit union’s near and long-term direction while ensuring these decisions are in the best interest of the membership at large. As a member/owner, you elect the group of volunteers that truly set the direction of our future. This is why we say It's All About We.

Learn About The Credit Union's Future

Listerhill Credit Union's Annual Meeting provides a forum for you to obtain important financial information about your credit union’s performance from the prior year. This event also gives you the opportunity to learn more about the strategy and goals of Listerhill over the coming years.

All members are invited and encouraged to attend since the information shared impacts your everyday financial life such as dividends, rates, future products, investments in technology, branches, and more. The more informed you are about our performance and goals, the more confident you can feel getting involved with the cooperative.

Connect With Employees

As an organization, we exist to serve the ever-evolving needs of our membership. We're proud to have a passionate team of employees who are genuinely interested in improving the lives of our community. We encourage you to come get to know our employees at the Annual Meeting. As you do, feel free to use this opportunity to share your thoughts, ideas, and concerns with us. We believe the cooperative works best when everyones voice is heard.

Join us at our next Annual Meeting: Tuesday, February 12, 2019 at 7:00pm at the Listerhill Auditorium on East 2nd St. in Muscle Shoals.

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Frequently Asked Questions

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

    Auto loans, recreational loans, and personal loans 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.

  • 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 $25 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 10 Days
    8. Loans that Received Maximum Extensions (six 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