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 : 3/29/19

Other Loans

Loans APR Maximum Term
Unsecured Personal as low as 8.99% 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 3/29/19

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 5.00% 10 year draw, 10 year payback
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)
2nd Mortgage - Short Term Fixed as low as 4.75% 7 years
Construction Loan as low as 4.99% 9 months
Land Loan as low as 7.00% 15 years
Effective 3/29/19 - (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 as low as Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles 2.99% 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) 5.49% 54 months
Antique Automobiles (25 yrs old) 7.00% 48 months
Rebuilt Automobiles 6.50% 48 months
Effective 4/22/19

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 Yield.

Savings Rates

Young at Heart Checking

DIV/INT Rate APY Minimum
0.30% 0.30% $100
Effective 7/12/2019 - 7/18/2019

Share Savings Account

DIV/INT Rate APY Minimum
0.40% 0.40% $5
Effective 6/14/19

*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
0.40% 0.40% $0
Effective 7/12/2019 - 7/18/2019

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

IRA Certificates (Includes Roth)

Type DIV/INT Rate APY Minimum
12 Months 2.500% 2.52% $500
36 Months 2.750% 2.78% $500
60 Months 2.850% 2.88% $500
Effective 7/12/2019 - 7/18/2019

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

Interest Checking

DIV/INT Rate APY Minimum
0.125% 0.13% $0 - $9,999
0.150% 0.15% $10,000 - $49,999
0.300% 0.30% $50,000 - $99,999
0.350% 0.35% $100,000+
Effective 7/12/2019 - 7/18/2019

Coverdell Education Savings Account (ESA)

Type DIV/INT APY Minimum
12 months 2.500% 2.52% $500
36 months 2.750% 2.78% $500
60 months 2.850% 2.88% $500
Effective 7/12/2019 - 7/18/2019

Christmas Club

DIV/INT APY Minimum
0.40% 0.40% $1
Effective 7/12/2019 - 7/18/2019

*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 0.350% 0.35% $500
6 months 2.200% 2.22% $500
12 months 2.500% 2.52% $500
18 months 2.600% 2.63% $500
24 months 2.650% 2.68% $500
30 months 2.700% 2.73% $500
36 months 2.750% 2.78% $500
48 months 2.800% 2.83% $500
60 months 2.850% 2.88% $500
72 months 2.850% 2.88% $500
Effective 7/12/2019 - 7/18/2019

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.

Business Rates

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 7/12/2019 - 7/18/2019

Business Interest Checking

DIV/INT APY Minimum
0.000% 0.00% $0 - $9,999
0.125% 0.13% $10,000 - $49,999
0.225% 0.23% $50,000 - $99,999
0.300% 0.30% $100,000+
Effective 7/12/2019 - 7/18/2019

Business Daily Action

DIV/INT APY Minimum
0.000% 0.00% $0 - $9,999
0.125% 0.13% $10,000 - $49,999
0.225% 0.23% $50,000 - $99,999
0.300% 0.30% $100,000+
Effective 7/12/2019 - 7/18/2019

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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Common Links

Frequently Asked Questions

  • Which loans are eligible for Skip-A-Pay?

    Auto loans, recreational loans, and personal loans that have not had Skip-A-Pay applied to them within the last year are all eligible for Skip-A-Pay. This includes boat loans, RV loans, 4-wheeler loans etc. However, home loans, Christmas loans, credit cards, and other lines of credit are not eligible.


  • When should I request Skip-A-Pay?

    In order to have your Skip-A-Pay request processed before your loan payment is due, please submit your skip request five (5) business days in advance of the scheduled payment date.

    Example: If your next loan payment is due on June 20th, you would need to submit your request no later than June 12th.

    Skip-A-Pay may only be used once a year.

  • How do I request Skip-A-Pay?

    Click here to request Skip-A-Pay, agree to do business electronically, and fill out the online form. You must also provide payment for the $25 fee before your loan payment can be skipped. This fee can be transferred from your Listerhill checking or savings account or paid from an outside account.

  • What is Skip-A-Pay?

    Skip-a-Pay is a service by Listerhill Credit Union which allows members to request to skip a monthly payment. The payment is instead added to the end of a loan, essentially extending the life of the loan by one month. This can be a valuable tool in your financial tool belt.

  • What loans are not eligible for Skip-A-Pay?
    1. Real Estate Loans (1st and 2nd Mortgage and Home Equity Lines)
    2. Business Loans
    3. Lines of Credit (Kwik Kash, Anytime Credit, Overdraft Protection, and Credit Cards)
    4. Christmas Loans
    5. Single Pay Term Loans
    6. Loans with Less than 6 Monthly Payments
    7. Loans Currently Past Due More than 10 Days
    8. Loans that Received Maximum Extensions (six skip pays and/or extensions allowed during the term of the loan)
    9. Workout Loans or Troubled Debt Restructuring (TDR)
    10. Accounts in Bankruptcy
    11. Charged-Off Loans
    12. Loans on Accounts with a Negative Checking or Savings Balance
    13. Accounts with Bad Addresses
    14. Loans that have already had Skip-A-Pay applied to them within the last year.