Certificates

Save and earn, without surprises, on your own terms.

With a Certificate, you will earn a guaranteed, fixed rate of return with a fixed date of withdrawal. The longer you choose to save, the more interest you can earn — no matter how Wall Street's doing.

Product Features
Insured by NCUA

Rest easy knowing your account is federally insured up to $250,000.

No Service Charges

Although, early withdrawal penalties apply.

Your Choice of Terms

Terms range from 90 days to 6 years.

Low Minimum Deposits

As little as $500 can get you started.

Certificate Rates

Certificates

Type DIV/INT APY Minimum
90 Days 0.30% 0.30% $500
6 months 1.95% 1.96% $500
12 months 2.10% 2.12% $500
18 months 2.15% 2.17% $500
24 months 2.20% 2.22% $500
30 months 2.25% 2.27% $500
36 months 2.30% 2.32% $500
48 months 2.35% 2.37% $500
60 months 2.35% 2.37% $500
72 months 2.35% 2.37% $500
Effective 9/13/2019 - 9/19/2019

Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Monthly interest paid will earn Interest Rate. A Share Savings Account is required. Certificate rates are fixed upon opening the account. Early withdrawal penalties apply. Fees may reduce earnings.

Certificate Secured

APR Maximum Term
2% above earning rate n/a
Effective 5/8/13

IRA Certificates (Includes Roth)

Type DIV/INT Rate APY Minimum
12 Months 2.10% 2.12% $500
36 Months 2.30% 2.32% $500
60 Months 2.35% 2.37% $500
Effective 9/13/2019 - 9/19/2019

The compound interest earned with this certificate can be calculated monthly or quarterly.

Additional Questions?

Listerhill has been consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for 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 Russel D
default-icon for John D
Russel D
Member Since 1995
I’ve been a member for years and have used online bill pay for years and its always worked out well for me. Customer service has been very good anytime I call the local office or long distance.
Products this member has used:
John D
Member Since 1997
I am very happy with my Listerhill account. Deposits are credited immediately, service is usually friendly and efficient, there is no long list of hidden fees and I feel like a properly valued customer.
Products this member has used:
Meet Savanna Peters, Our $5,000 Scholarship Winner of 2019!

This year, we gave away three scholarships to high school seniors amounting in the total of $10,000. One student was given the grand prize of $5,000 while the other two were each given $2,500. We woul...

Read
Scholarship Winners 2019 Holding Cookie
Can I Refinance My Car (And Should I?)

Refinancing a car loan involves borrowing another loan to pay off your first one. When you choose to refinance your car, you go through a similar process as you did for the initial financing. You may...

Read
Auto Refinance Stock Pic
Meet Emily Duncan, One of Our $2,500 Scholarship Winners of 2019!

This year, we gave away three scholarships to high school seniors amounting in the total of $10,000. One student was given five thousand while the other two were each given two thousand five hundred. ...

Read
Emily Duncan Holding Check Group Photo
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

  • Do you have mobile deposit for checks?

    Yes! You can learn about how to use mobile deposit by logging into online banking and clicking Mobile Deposit. There, you will find step-by-step instructions on how to deposit your checks with your phone. 

  • Are checks free?

    Depending on the type of account you have, free checks is one of our many benefits. If you have a Pick 5, Young At Heart, or Hill Checking Account, you have access to free checks. 

  • How do I view my transactions in the LCU Cards app?

    Once your card is entered into the app, you can tap on the card image to view transactions.

  • Can I see my checking account balance on my debit card?

    No, but you can view pending or posted transactions on your debit card through the app. You can find your checking account balance through Online Banking or through the Listerhill app.

  • How do I add another card to the LCU Cards app?

    Swipe left to enter a new card once you have entered your first card.