Deposit Secured Loans

Get our lowest interest rate by borrowing against your Listerhill Share Savings Account or Certificate.

Keep your savings intact and buy what you need at our lowest rate with a Deposit Secured Loan. It's a safer way to get a loan while continuing to earn interest on your deposits. We call it a win-win.

Share Secured Loan Rates

Loans APY Maximum
3% above earning rate n/a n/a
Effective 5/18/2013
Additional Products
Credit Life 2
Credit Life & Credit Disability Insurance

You can’t plan for everything, but you can help safeguard your loved ones from inheriting a financial burden.

Learn More About Credit Insurance
Auto Insurance
Life Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

Learn More About Discounted Insurance from TruStage
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.

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The Facts About Deposit Secured Loans

One of our most convenient products is our Deposit Secured Loans. If you’re wondering what these loans are, and if they’re for you, read on!

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Coverdell
All You Need To Know About Buying A Used Car

If you’re shopping for an amazing deal on wheels during the October car-shopping season, you want to be that buyer who walks home thrilled with their new car.

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Img 8165
New Smart ATM's Are Here!

We've added a Smart ATM's to a few of our local Listerhill branches, giving you more control over your accounts, any time — day or night. No matter what your busy schedule looks like, our Smart ATM's are ready when you are.

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New Smart Atm
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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