Vehicle

Loans

We have a range of loan options and lines of credit that can meet your needs and budget.

By being member-owned, we are able to return our earnings to you in the form of higher rates on shares and lower rates on loans. If you are not already a member, join us today and start taking advantage of our great rates.

Auto Loans

Loans APR as low as Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles 2.99% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.49% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.79% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 4.54% 84 months
Previous 3 Years and up - More Than 30,000 miles 3.49% 66 months
Previous 3 Years and up - More Than 30,000 miles 3.79% 72 months
Used Auto (4-6 years old) 3.99% 66 months
Used Auto (7-24 Years) 5.49% 54 months
Antique Automobiles (25 yrs old) 7.00% 48 months
Rebuilt Automobiles 6.50% 48 months
Effective 4/22/19

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

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Recreational Loans

Loans APY Maximum
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.50% 60 Months
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.74% 72 Months
New Motorcycle & 4 Wheeler as low as 4.74% 60 Months
Used Motorcycles & 4 Wheelers as low as 5.24% 48 Months
New Motor Home as low as 5.50% 144 Months
Used Motor Homes as low as 6.00% 120 Months
New 5th Wheel as low as 5.99% 144 Months
New Travel Trailers as low as 6.49% 84 Months
Used Travel Trailers as low as 6.50% 60 Months
New Watercraft as low as 4.74% 60 Months
New Watercraft as low as 5.04% 84 Months
New Watercraft as low as 5.74% 120 Months
Used Watercraft as low as 4.74% 48 Months
Used Watercraft as low as 5.24% 60 Months
Used Watercraft as low as 5.74% 72 Months
Used Watercraft - Previous 3 Years & up (Minimum $25,000) as low as 6.74% 120 Months
New Waverunners as low as 5.24% 60 Months
New Waverunners as low as 5.74% 72 Months
Used Waverunners as low as 7.25% 48 Months
Effective : 3/29/19

Home Loans

Loans APR Maximum Term
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
15 Year Fixed Rate Call 1-800-239-6033 for the latest rate 15 years
Home Equity line of Credit as low as 5.00% 10 year draw, 10 year payback
3/3 Adjustable Rate Mortgage as low as 4.40% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 4.75% 5 years (amortized over 30 years)
2nd Mortgage - Short Term Fixed as low as 4.75% 7 years
Construction Loan as low as 4.99% 9 months
Land Loan as low as 7.00% 15 years
Effective 3/29/19 - (Call 1-800-239-6033 for details)

* All rates and terms are subject to change without notice.

All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender. The annual percentage rates (APR) on adjustable-rate home loans may vary and are subject to change after consummation. Please call a loan officer for down payment information.

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Other Loans

Loans APR Maximum Term
Unsecured Personal as low as 8.99% 60 months
Personal - Small Items (Computer, Tanning Bed, Lawnmower, Furniture, etc) as low as 5.49% 48 months
Farm Equipment as low as 5.49% 60 months
Effective 3/29/19
Need a break? Skip-a-Pay!

Many people wonder how they’ll get through these months. Fortunately, Listerhill offers an exclusive break from your loan payments during this costly time of year. Now that sounds like a dream vacation!

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Collets
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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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