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Frequently Asked Questions

  • Which holidays are you closed?

    We are closed on most major U.S. Federal Holidays. Our holiday hours can be found by clicking the Holiday Hours link toward the bottom of the Locations page.

  • How do I report a lost or stolen debit or credit card?

    Report a lost or stolen debit card by calling 1-888-918-7819. Report a lost or stolen credit card by calling 1-800-449-7728. Both phone numbers are available 24 hours a day.

  • What are your hours?

    Hours for every branch are located on our Locations page, located at the top of the website. Click on the branch that you wish to visit to learn its hours.

  • Where do I find Listerhill's routing number?

    Listerhill's routing number is 262277011. You can find our routing number anytime by scrolling to the bottom of the website. It is located next to our Main Office address.

  • Where are the repos?

    You can find our repos by scrolling to the bottom of the website and clicking Pre-Owned Vehicles and Foreclosures.

Home Equity Loan & Line of Credit

Your home is an investment. Tap into your equity to make more of it.

With a Home Equity Loan or Line of Credit, you can renovate your home or build a family pool — whatever your goals may be. Use the credit in your home to borrow the amount you need at a low interest rate and start making memories today.

Product Features
Convenient Payment Options

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

No Annual Fee

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

Low Rates

Whether you choose the variable rate of a HELOC or the fixed rate of a Home Equity Loan, both are set at the lowest possible market price.

Tax Deductible Interest

Depending on how you use your loan or line of credit, you may be able to deduct its interest. Consult your tax advisor for more information.

No App Fees or Closing Costs

No application fees or closing costs to our members, we've got you covered.

Borrow What You Need

HELOCs start with a minimum credit advance of $10,000 with minimum future credit advances of $500 or borrow one lump sum with a Home Equity Loan.

Flexible Term & Repayment

With a 10-year draw period followed by a 10-year repayment period, HELOCs also have a low minimum monthly payment of $15.00 for every $1,000 based on the outstanding balance at the time of your most recent advance.

Easy Access To Your Line of Credit

HELOC checks allow easy access your credit line up to the approved limit.

How Much Can I Safely Borrow Against My Home?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

*Equal Opportunity Lender. Loans subject to normal credit approval. All loan rates quoted as Annual Percentage Rate (APR) and are subject to change without notice. Home loans are available on primary residence only. Borrow up to 90% of tax appraisal value. Member pays for appraisal.

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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.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

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