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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.

Rates

Rates

At Listerhill, we pride ourselves on our competitive rates. By being member-owned, we are able to return our earnings to you in the form of higher rates on shares and lower rates on loans. If you are not already a member, join us today and start taking advantage of our great rates.

Lending Rates

Share Secured

Loans APY Maximum
3% above earning rate n/a n/a
Effective 5/18/2013

Recreational Loans

Loans APY Maximum
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.50% 60 Months
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.74% 72 Months
New Motorcycle & 4 Wheeler as low as 4.74% 60 Months
Used Motorcycles & 4 Wheelers as low as 5.24% 48 Months
New Motor Home as low as 5.50% 144 Months
Used Motor Homes as low as 6.00% 120 Months
New 5th Wheel as low as 5.99% 144 Months
New Travel Trailers as low as 6.49% 84 Months
Used Travel Trailers as low as 6.50% 60 Months
New Watercraft as low as 4.74% 60 Months
New Watercraft as low as 5.04% 84 Months
New Watercraft as low as 5.74% 120 Months
Used Watercraft as low as 4.74% 48 Months
Used Watercraft as low as 5.24% 60 Months
Used Watercraft as low as 5.74% 72 Months
Used Watercraft - Previous 3 Years & up (Minimum $25,000) as low as 6.74% 120 Months
New Waverunners as low as 5.24% 60 Months
New Waverunners as low as 5.74% 72 Months
Used Waverunners as low as 7.25% 48 Months
Effective : 11/13/18

Other Loans

Loans APR Maximum Term
Unsecured Personal as low as 8.74% 60 months
Personal - Small Items (Computer, Tanning Bed, Lawnmower, Furniture, etc) as low as 5.49% 48 months
Farm Equipment as low as 5.49% 60 months
Effective 11/13/18

Home Loans

Loans APR Maximum Term
1st Mortgage Fixed Rate as low as 4.75% 15 years
2nd Mortgage - Short Term Fixed as low as 4.75% 7 years
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
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)
Home Equity line of Credit as low as 5.00% 10 year draw, 10 year payback
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.

Daily Action Secured

APR Maximum Term
3% above earning rate n/a
Effective 5/8/13

Credit Cards

Card Name APR Maximum Term
Visa Platinum Rewards as low as 8.50% n/a
The Hill Visa Rewards as low as 8.50% n/a
Effective 5/8/13

Certificate Secured

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

Auto Loans

Loans APR Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles as low as 2.99% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles as low as 3.49% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles as low as 3.79% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles (with a minimum loan of $25,000) as low as 4.54% 84 months
Previous 3 Years and up - More Than 30,000 miles as low as 3.49% 66 months
Previous 3 Years and up - More Than 30,000 miles as low as 3.79% 72 months
Used Auto (4-6 years old) as low as 3.99% 66 months
Used Auto (7-24 Years) as low as 5.49% 54 months
Antique Automobiles (25 yrs old) as low as 7.00% 48 months
Rebuilt Automobiles as low as 6.50% 48 months
Effective 11/13/18


* All rates and terms are subject to change without notice.

Must be a Listerhill Credit Union member to apply; 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.

Savings Rates

Young at Heart Checking

DIV/INT Rate APY Minimum
0.26% 0.26% $100
Effective 12/7/2018 - 12/13/2018

Share Savings Account

DIV/INT Rate APY Minimum
0.45% 0.45% $5
Effective 6/26/2015

*This annual percentage yield is accurate as of the last dividend declaration date. **Regulatory Account Limitations: No more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.

Pick 5 Share Savings Account

DIV/INT Rate APY Minimum Maximum
5% 5% $5 $1,000
Effective 6/26/2015

*APY=Annual Percentage Yield. This percentage is promotional and is only valid for The Hill or Pick 5 Savings accounts on the first $1,000. Subject to change.

IRA Daily

DIV/INT Rate APY Minimum
0.45% 0.45% $0
Effective 12/7/2018 - 12/13/2018

IRA Certificates Roth

Type DIV/INT Rate APY Minimum
12 Months 2.200% 2.22% $500
36 Months 3.000% 3.03% $500
60 Months 3.150% 3.19% $500
Effective 12/7/2018 - 12/13/2018

Interest Checking

DIV/INT Rate APY Minimum
0.075% 0.08% $0 - $9,999
0.11% 0.11% $10,000 - $49,999
0.25% 0.25% $50,000 - $99,999
0.30% 0.30% $100,000+
Effective 12/7/2018 - 12/13/2018

Daily Action

DIV/INT APY Minimum
0.30% 0.30% $2,500
Effective 12/7/2018 - 12/13/2018

Coverdell Education Savings Account (ESA)

Type DIV/INT APY Minimum
12 months 2.200% 2.22% $500
36 months 3.000% 3.03% $500
60 months 3.150% 3.19% $500
Effective 12/7/2018 - 12/13/2018

Christmas Club

DIV/INT APY Minimum
0.45% 0.45% $1
Effective 12/7/2018 - 12/13/2018

*This annual percentage yield is accurate as of the last dividend declaration date. **Regulatory Account Limitations: No more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.

Certificates

Type DIV/INT APY Minimum
90 Days 0.550% 0.55% $500
6 months 2.000% 2.02% $500
12 months 2.200% 2.22% $500
18 months 2.400% 2.42% $500
24 months 2.500% 2.52% $500
30 months 2.750% 2.78% $500
36 months 3.000% 3.03% $500
48 months 3.100% 3.14% $500
60 months 3.150% 3.19% $500
72 months 3.150% 3.19% $500
Effective 12/7/2018 - 12/13/2018

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.

Business Money Market

DIV/INT APY Minimum
0.000% 0.00% $0 - $9,999
0.075% 0.08% $10,000 - $49,999
0.175% 0.18% $50,000 - $99,999
0.250% 0.25% $100,000+
Effective 12/7/2018 - 12/13/2018

Business Interest Checking

DIV/INT APY Minimum
0.000% 0.00% $0 - $9,999
0.075% 0.08% $10,000 - $49,999
0.175% 0.18% $50,000 - $99,999
0.250% 0.25% $100,000+
Effective 12/7/2018 - 12/13/2018

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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