ALERT
Our branches will be closed on Monday, May 27th for Memorial Day. We will return to our normal operating hours on Tuesday, May 28th.

Platinum Visa Credit Card

Finally, a credit card with a low rate, local service, and no surprises.

Expand your purchasing power all while earning reward points for every dollar you spend. Rest easy knowing you have the local service (and rate) you expect from your credit union.

Product Features
Low Rate

Enjoy annual percentage rates as low as 8.5%.

Earn Rewards

Receive one point for every dollar you spend.

Free Credit Score

Monitor your FICO® Score on each monthly statement.

Mobile App

Manage your card with our easy-to-use credit card app, LCU Visa.

No Annual Fee

And not just for the first year. $0 every year.

No Balance Transfer Fee

Transfer your balance from another card at no charge.

No Fee for Cash Advance

Get cash from your Platinum Visa at an ATM or in a branch for no additional charge.

Free Rental Insurance

Rent a vehicle with your Platinum Visa and you're automatically in free Automotive Rental Collision Insurance.

Visa Alerts

Stay on top of your credit card spending by text or email with Visa Alerts. Monitor your balance, track spending, and more.

Free Travel Insurance

Use your card to book travel & protect your trip.

Visa Checkout

Pay on any website that accepts Visa Checkout — no need to re-enter checkout information — and still receive the points from your card that you deserve. Learn more

Verified by Visa

Verified by Visa helps ensure that payments are made by the rightful owner of the Visa account, to make online purchases more secure. Learn More

Additional Products
Accident Prevention
Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional credit card payment protection.

Auto Insurance
Life Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance. Get a personalized quote and experience the value of being a member.

Learn More
Curewards
Reward Yourself with CURewards

Each purchase you make brings you closer to great merchandise and travel. Use your Listerhill Platinum Visa credit card and watch your points add up.

Go to CURewards.com
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Credit Cards

Card Name APR Maximum Term
Visa Platinum Rewards as low as 8.50% n/a
The Hill Visa Rewards as low as 8.50% n/a
Effective 5/8/13
How Much Can You Afford to Charge?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to charge, how long it will take to pay off your credit card and more.

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Protecting Your Information

How To Report Fraud

If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.

How To Report A Lost Or Stolen Credit Card

Immediately call 1-800-449-7728.

Additional Questions

While we hope you find the information you need online, we want to remind you that Listerhill is more than a website. We’re your credit union, and we look forward to helping you. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Better yet, stop by one of our branches for some personal service.

Consumer Credit Card Agreement And Disclosure
Important information about your credit card
Applying for an Auto Loan

Dealers and financial institutions like banks and credit unions consider a variety of factors when determining what kind of auto loan they will offer an individual. These factors include your credit score, monthly income, and current debt. Although some of these things may be hard to change, knowing them and planning your purchase in advance will allow you the time necessary to make any improvements possible.

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Auto Insurance
What is Auto Financing?

Everyone thinks about their next new car months before making a final purchase, but few people consider whom they should finance through or what that process will look like. Don't panic. Auto financing does not need to be stressful or confusing. Read below to learn more about what auto financing actually is and why you should care about it.

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Coles In Car
It's A Money Thing: Credit Score Breakdown

You’ve likely heard about credit scores before (thanks to all those commercials with terrible jingles), but what do you actually know about them? How long have they been around? And what’s the deal with checking them?

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Common Links

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. To learn more about if you have an eligible Skip-A-Pay loan, call us at 256-383-9204 or 1-800-239-6033 to speak with a Member Advocate.

  • 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?

    To request Skip-A-Pay, click the "Request Skip-A-Pay Now" button above, 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 we provide to Listerhill members who make six (6) or more on-time payments for their auto loans, personal loans, etc. Members can request Skip-A-Pay, submit a $25 fee, and skip paying on an eligible Listerhill loan twice a year. During more expensive times, like the holidays or the Summer months, Skip-A-Pay can be a great tool that helps keep your payments on time while allowing your family a little extra spending money when you need it.

  • 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