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What are you looking for?

Common Links

    Frequently Asked Questions

  • How do I sign up for Online Banking?

    Click the Login button at the top of the website. When the login box pops up, click Sign Up, located just underneath the Login button in the pop-up box.

  • Do you have any jobs open?

    All career opportunities with the credit union are posted in the Careers page, located at the bottom of every page.

  • How do I order checks?

    Order checks quickly and easily by hovering over Everyday Banking in the menu at the top of the website and click Order Checks. It will take you to our partner's website, Deluxe, where you can order new checks.

  • I'll be traveling soon, will my debit or credit card work?

    To ensure that your debit or credit card will not be flagged while traveling, call 256-383-9204 or 1-800-239-6033 and let one of our contact center representatives know where you will be traveling to and how long your trip will be.

  • How do I request a donation from Listerhill?

    To request a donation for a community event, please click Community at the top of the website and scroll down the page until you see the Request a Donation button on our page.

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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 4.25% 60 Months
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.49% 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 5.25% 144 Months
Used Motor Homes as low as 5.75% 120 Months
New 5th Wheel as low as 5.74% 144 Months
New Travel Trailers as low as 6.24% 84 Months
Used Travel Trailers as low as 6.25% 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 5.49% 72 Months
Used Waverunners as low as 7.00% 48 Months
Effective : 2/14/18

Other Loans

Loans APR Maximum Term
Unsecured Personal as low as 8.49% 60 months
Personal - Small Items (Computer, Tanning Bed, Lawnmower, Furniture, etc) as low as 5.24% 48 months
Farm Equipment as low as 5.24% 60 months
Effective 2/14/18

Home Loans

Loans APR Maximum Term
1st Mortgage Fixed Rate as low as 4.25% 15 years
2nd Mortgage - Short Term Fixed as low as 4.25% 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 3.90% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 4.25% 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
Effective 12/22/17 - (Call 1-800-239-6033 for details)

* 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. Equal Housing Lender. The annual percentage rates (APR) on adjustable-rate home loans may vary and are subject to change after consummation. A 1% origination fee is required on all home loans except home equity lines of credit. 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 2.74% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles as low as 3.24% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles as low as 3.54% 75 months
Previous 3 Years and up - More Than 30,000 miles as low as 3.24% 66 months
Previous 3 Years and up - More Than 30,000 miles as low as 3.54% 72 months
Used Auto (4-6 years old) as low as 3.74% 66 months
Used Auto (7-24 Years) as low as 5.24% 54 months
Antique Automobiles (25 yrs old) as low as 6.75% 48 months
Salvage Automobiles as low as 6.25% 48 months
Effective 2/14/18


* 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 10/12/2018 - 10/18/2018

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 10/12/2018 - 10/18/2018

IRA Certificates Roth

Type DIV/INT Rate APY Minimum
12 Months 1.800% 1.81% $500
36 Months 2.400% 2.42% $500
60 Months 2.650% 2.68% $500
Effective 10/12/2018 - 10/18/2018

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 10/12/2018 - 10/18/2018

Daily Action

DIV/INT APY Minimum
0.30% 0.30% $2,500
Effective 10/12/2018 - 10/18/2018

Coverdell Education Savings Account (ESA)

Type DIV/INT APY Minimum
12 months 1.800% 1.81% $500
36 months 2.400% 2.42% $500
60 months 2.650% 2.68% $500
Effective 10/12/2018 - 10/18/2018

Christmas Club

DIV/INT APY Minimum
0.45% 0.45% $1
Effective 10/12/2018 - 10/18/2018

*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 1.600% 1.61% $500
12 months 1.800% 1.81% $500
18 months 2.000% 2.02% $500
24 months 2.100% 2.12% $500
30 months 2.250% 2.27% $500
36 months 2.400% 2.42% $500
48 months 2.550% 2.57% $500
60 months 2.650% 2.68% $500
72 months 2.650% 2.68% $500
Effective 10/12/2018 - 10/18/2018

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.

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 10/12/2018 - 10/18/2018

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 10/12/2018 - 10/18/2018

Business Daily Action

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 10/12/2018 - 10/18/2018

All rates and terms are subject to change without notice.

*This annual percentage yield is accurate as of the last dividend declaration date.

Savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency. $250,000 of additional savings coverage is provided by Excess Share Insurance. IRA's are insured separately. Rates may change every month as determined by the Board of Directors. Fees and other conditions could reduce earnings on the account. Dividends are calculated daily and credited quarterly. The minimum initial deposit to open a Regular share Account is $5.00. You must maintain a minimum daily balance of $5.00 in your Regular Share Account. There are no fees for establishing or maintaining an IRA Savings Account at the Credit Union. For maturities of one year or less, early redemption penalty is 30 days interest. For maturities over one year, early redemption is 90 days interest. A $6.00 monthly service charge will be applied to Interest Checking Accounts that drop below $2,500. Call a Member Service Representative for details on any account.

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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