COVID-19 Response

Beginning Monday, May 18th, all Listerhill branch lobbies will resume service during normal business hours, but with limited capacity. Read more...

Sdw02933

Annual Meeting 2020

You're Invited To Our 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 2020 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.

SDW02933.jpg#asset:21325

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: Thursday, February 13, 2020 at 7:00pm at the Listerhill Auditorium on East 2nd St. in Muscle Shoals.

SDW02961.jpg#asset:21326


default icon for Solution Finder Intro
What can we help you with?
default icon for Checking For Mature Members
What are you borrowing for?
default icon for Checking For Mature Members
Vehicle Options
default icon for Checking For Mature Members
Home Options
default icon for Carrolls
What are you saving for?
default icon for Carrolls
How old are your kids?
default icon for Cord
Which of these banking options are you interested in?
default icon for Cord
How old are you (or your child)?
default icon for Cord
Are you a UNA student?
default icon for Cord
What do you want to do?
default icon for Cord
What do you want to do?
default icon for Cord
What do you want to do?
default icon for Cord
What do you want to do?
default icon for Cord
How old are you?
search popup background

What are you looking for?

Common Links

Frequently Asked Questions

  • 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.

  • 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.