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

Recreational Loans

Loans APR 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 4.49% 60 Months
Used Motorcycles & 4 Wheelers as low as 4.99% 48 Months
New Motor Home as low as 5.00% 144 Months
Used Motor Homes as low as 5.49% 120 Months
New 5th Wheel as low as 5.49% 144 Months
New Travel Trailers as low as 5.99% 84 Months
Used Travel Trailers as low as 6.00% 60 Months
New Watercraft as low as 4.49% 60 Months
New Watercraft as low as 4.79% 84 Months
New Watercraft as low as 5.49% 120 Months
Used Watercraft as low as 4.49% 48 Months
Used Watercraft as low as 4.99% 60 Months
Used Watercraft as low as 5.49% 72 Months
Used Watercraft - Previous 3 Years & up (Minimum $25,000) as low as 6.49% 120 Months
New Waverunners as low as 4.99% 60 Months
New Waverunners as low as 4.99% 72 Months
Used Waverunners as low as 6.25% 48 Months
Effective 4/1/2020

Other Loans

Loans APR Maximum Term
Unsecured Personal as low as 8.99% 60 months
Lawnmowers and Utility Trailers as low as 5.24% 48 months
Farm Equipment as low as 5.24% 60 months
Effective 4/1/2020

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 4.00% 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage as low as 3.00% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 3.25% 5 years (amortized over 30 years)
Short Term Fixed as low as 3.00% 7 years
Construction Loan as low as 4.99% 12 months
Land Loan as low as 4.75% 15 years
5/5 Adjustable Rate Mortgage - 100% of Purchase Price as low as 3.25% 5 years (amortized over 30 years)
Effective 5/1/2020

* 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.

Money Market Secured

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

Credit Cards

Card Name APR
Visa Platinum Cash Back as low as 8.99%
Visa Platinum Merchandise as low as 8.99%
Effective 1/2/2020

Certificate Secured

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

Auto Loans

Loans APR as low as Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.24% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.49% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.79% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 4.54% 84 months
Previous 3 Years and up - More Than 30,000 miles 3.49% 66 months
Previous 3 Years and up - More Than 30,000 miles 3.79% 72 months
Used Auto (4-6 years old) 3.99% 66 months
Used Auto (7-24 Years) 4.99% 54 months
Antique Automobiles (25 yrs old) 5.50% 48 months
Rebuilt Automobiles 5.50% 48 months
Effective 4/1/2020

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. APR = Annual Percentage Rate.

Savings Rates

Young at Heart Checking

DIV/INT Rate APY Minimum
0.15% 0.15% $100
Effective 7/1/2020 - 7/9/2020

Share Savings Account

DIV/INT Rate APY Minimum
0.20% 0.20% $5
Effective 6/30/2020

*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 Savings Account (Includes Roth)

DIV/INT Rate APY Minimum
0.20% 0.20% $0
Effective 6/30/2020

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

IRA Certificates (Includes Roth)

Type DIV/INT Rate APY Minimum
12 Months 0.45% 0.45% $500
36 Months 0.85% 0.85% $500
60 Months 1.00% 1.00% $500
Effective 6/26/2020 - 7/2/2020

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

High Yield Checking

DIV/INT Rate APY Minimum
0.075% 0.08% $0 - $9,999
0.110% 0.11% $10,000 - $49,999
0.20% 0.20% $50,000 - $99,999
0.20% 0.20% $100,000+
Effective 7/1/2020 - 7/9/2020

Money Market

DIV/INT APY Minimum
0.20% 0.20% $0 - $9,999
0.30% 0.30% $10,000 - $49,999
0.40% 0.40% $50,000 - $99,999
0.70% 0.70% $100,000+
Effective 7/1/2020

Balances under $2,500 are subject to a $15 low balance fee. Allows up to six (6) pre-authorized, automatic, or telephone transfers to be made from this 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. There is no limit to the number of in-branch withdrawals or ATM withdrawals allowed.

*Rates are subject to change
**APY = Annual Percentage Yield



Christmas Club

DIV/INT APY Minimum
0.25% 0.25% $1
Effective 6/19/2020 - 6/25/2020

*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 0.15% 0.15% $500
6 months 0.35% 0.35% $500
12 months 0.45% 0.45% $500
18 months 0.50% 0.50% $500
24 months 0.65% 0.65% $500
30 months 0.75% 0.75% $500
36 months 0.85% 0.85% $500
48 months 0.95% 0.95% $500
60 months 1.00% 1.00% $500
72 months 1.00% 1.00% $500
Effective 6/26/2020 - 7/2/2020

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 Rates

Business High Yield 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
0.20% 0.20% $100,000+
Effective 7/1/2020 - 7/9/2020

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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