COVID-19 Response

Starting Friday, March 20, for the safety of our members, employees, and communities, Listerhill branches will be open by drive-thru only. Read more at listerhill.com/coronavirus.

IRAs

You don't have to do it alone. Take advantage of the tax savings and helpful advice from your credit union experts.

Planning for retirement isn't as hard as it sounds, but there are a lot of options out there. Roth or Traditional? Mutual fund, ETF, annuity, certificate, or savings account? Meet with one of our local retirement experts to discuss your best IRA options and get the most out of your hard-earned money. No matter what you're pulling in each week, you can turn a little into a lot and retire with something significant waiting.


Product Features
Tax Benefits

Traditional IRA contributions are tax-deductible on both state and federal tax returns for the year you make the contribution. Withdrawals in retirement are taxed at ordinary income tax rates. Roth IRAs provide no tax break for contributions, but earnings and withdrawals are generally tax-free.

No Fees or Service Charges

Ever.

Automatic Transfers

Set up automatic transfers within Online Banking to help reach your savings goals.

eStatements

View your account history anytime through eStatements. Paper statements also available.

24/7 Access

Access your account anytime through any of our Smart ATMs, Online and Mobile Banking, or by telephone with Automated Access. The choice is yours.

Lfs Andy
Traditional or Roth IRA

Ready to learn more or begin planning? You're not alone! Meet with our Listerhill Financial Services team to open your IRA account with the perfect investment strategy. We can work with you to help design a comprehensive retirement plan that's comfortable for you now yet secures your financial future. Make an appointment with Listerhill Financial Services today.

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Other IRA Options

IRA Certificates (Includes Roth)

Type DIV/INT Rate APY Minimum
12 Months 0.45% 0.45% $500
36 Months 1.05% 1.05% $500
60 Months 1.39% 1.40% $500
Effective 4/3/2020 - 4/9/2020

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

Other IRA Options

IRA Savings Account (Includes Roth)

DIV/INT Rate APY Minimum
0.25% 0.25% $0
Effective 4/6/2020 - 4/9/2020

The compound interest earned with this savings account is calculated daily.

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The CARES Act Unpacked

The CARES Act stimulus is coming, but what does it mean for you? The checks will be nice, but who will get them and for how much? We’ve got all the information you need!

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Financial Dos and Don'ts During the Coronavirus Outbreak

With all the current uncertainty regarding the health of our economy, it’s easy to fall into a panic and wonder if there are some concrete steps you should be taking to save your personal finances fro...

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Student Loan Suspension: What Does It Mean?

To help clear up some confusion, we will attempt to answer some of the most common questions about the President's announcement to freeze student loan interest.

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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.

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Frequently Asked Questions

  • When can I apply?
    • Starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders. 
    • Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Who can apply?

    All businesses - including nonprofits, veterans organizations, Tribal business concerns, sole proprietorships, self-employed individuals, and independent contractors - with 500 or fewer employees can apply. Businesses in certain industries can have more than 500 employees if they meet applicable SBA employee-based size standards for those industries. 

  • What do I need to apply?

    You will need to complete the Paycheck Protection Program loan application and submit the application with the required documentation to us by June 30, 2020.

  • What other documents will I need to include in my application?

    You will need to provide payroll documentation. 

  • Do I need to first look for other funds before applying to this program?

    No. The usual SBA requirement that you try to obtain some or all of the loan funds from other sources has been waived.