Business Credit Card

​The Business Credit Card you should expect from the financial cooperative that knows your business.

Our Business Credit Card offers the great benefits you expect, like no annual fees and rewards points every time you use your card. But being true to who we are, we include more features we think you’ll really appreciate.

Product Features
Earn Rewards

Receive one point for every dollar you spend.

Travel Insurance

Use your card to book travel & protect your trip.

Enhanced Security

Enhanced debit card security with EMV chip technology.

Visa Alerts

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

Monthly Reports

Monthly company reports showing transactions by category.

Multiple Users

Multiple users with varying credit limits all under one control account

Low Fixed Rates

Low fixed rates starting as low as 8.99% Annual Percentage Rate.

Visa Savings Edge merchant discounts

Visa Savings Edge merchant discounts

Flexible Credit Limit

Get the credit limit you need with limits up to $50,000 (higher limits may be available).

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What You Need

If you have recently completed the business loan process with us, please contact our Business Services department to determine if anything needs to be updated. We ask that you make copies of all documentation that is submitted, as we will retain your submitted paperwork.

Having the following completed documentation for your appointment is highly recommended to help expedite the application process. The Business Application and Personal Financial Statement can be printed by clicking the links below.

  • Business Application
  • Personal Financial Statement
  • Last 2 years of Personal Federal Tax Returns with all attached schedules and W2's
  • Last 2 years of Business Tax Returns with all attached schedules
  • Interim Profit & Loss and Balance Sheet
  • Rent Roll to include property taxes, insurance, mortgage payment, and loan balance, if applicable.

Based on creditworthiness. Rate subject to change. Other documentation may be required to complete the application process.

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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Frequently Asked Questions

  • Which loans are eligible for Skip-A-Pay?

    Auto loans, recreational loans, and personal loans that have not had Skip-A-Pay applied to them within the last year 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.

    Skip-A-Pay may only be used once a year.

  • 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
    14. Loans that have already had Skip-A-Pay applied to them within the last year.