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.

Refinance Your Mortgage

Your goals and your home are unique to you. Consider refinancing to a fixed-rate and start saving money now.

Choosing to refinance to a fixed-rate mortgage may help you get lower monthly payments and protect you from the effects of interest rate hikes. Paying lower monthly payments allows you to sit back, relax, and save knowing you have made the right choice for your family.

Product Features
Pay Back on Your Terms

Consult with a Loan Officer on a loan that fits your budget and timeline.

Convenient Payment Options

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

Calculators
Should I Refinance?

Empower yourself to make smart financial decisions. Use our calculator to figure out if refinancing is a good option for you.

Additional Products
Home Insurance

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

default icon for

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 11/1/18 - (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.

default-icon for Dustin Holland, Mortgage Loan Officer
default-icon for Casey Neill, Mortgage Loan Officer
default-icon for Vicki Broadfoot, Mortgage Loan Officer
default-icon for Stacy Aldridge, Mortgage Loan Officer
Meet Our Mortgage Team
Dustin Holland, Mortgage Loan Officer

NMLS# 1696691

256.383.9204, ext. 1347

dholland@listerhill.com

Casey Neill, Mortgage Loan Officer

NMLS# 207237

256.383.9204, ext. 3813

cneill@listerhill.com

Vicki Broadfoot, Mortgage Loan Officer

NMLS# 198718

256.314.6584

vbroadfoot@listerhill.com

Stacy Aldridge, Mortgage Loan Officer

I am here to help people meet all their housing needs in the Shoals. - Stacy

NMLS# 449408

256.383.9204, ext. 1222

saldridge@listerhill.com

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.

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

  • 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