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:

Credit Cards

Rate 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 5/08/13

Auto Loans

Rate Name APR Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles as low as 1.99% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles as low as 2.49% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles as low as 2.79% 75 months
Previous 3 Years and up - More Than 30,000 miles as low as 2.49% 66 months
Previous 3 Years and up - More Than 30,000 miles as low as 2.79% 72 months
Used Auto (4-6 years old) as low as 2.99% 66 months
Used Auto (7-24 Years) as low as 4.49% 54 months
Antique Automobiles (25 yrs old) as low as 7.00% 48 months
Salvage Automobiles as low as 7.50% 48 months

Effective 2/01/2014

Home Loans (Call 1-800-239-6033 for details)

Rate Name APR Maximum Term
1st Mortgage Fixed Rate as low as 3.75% 15 years
2nd Mortgage - Short Term Fixed 8.00% 10 years
30 Year Fixed Rate Click Here 30 years
3/3 Adjustable Rate Mortgage as low as 3.25% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 3.50% 5 years (amortized over 30 years)
Home Equity line of Credit 5.00% 10 year draw, 10 year payback
Construction Loan 4.99% 9 months

Effective 5/8/2013

Recreational Loans

Rate Name APR Maximum Term
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.75% 60 months
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 5.25% 72 months
New Motorcycle & 4 Wheeler as low as 4.75% 60 months
Used Motorcycles & 4 Wheelers as low as 6.00% 48 months
New Motor Home as low as 4.50% 144 months
Used Motor Homes as low as 6.00% 120 months
New 5th Wheel as low as 5.00% 144 months
New Travel Trailers as low as 5.50% 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 4.99% 84 months
New Watercraft as low as 5.99% 120 months
Used Watercraft as low as 5.75% 48 months
Used Watercraft as low as 6.25% 60 months
Used Watercraft as low as 6.75% 72 months
New Waverunners as low as 5.25% 60 months
New Waverunners as low as 5.75% 72 months
Used Waverunners as low as 7.50% 48 months

Effective 2/01/2014

Other Loans

Rate Name APR Maximum Term
Personal Unsecured as low as 8.50% 60 months
Personal Secured (Computer, Tanning, Bed, Lawnmower, Furniture, etc) as low as 6.50% 48 months
Farm Equipment as low as 6.50% 60 months

Effective 5/08/13

Share Secured

APR Maximum Term
3% above earning rate n/a

Effective 5/08/13

Certificate Secured

APR Maximum Term
2% above earning rate n/a

Effective 5/8/2013

Daily Action Secured

APR Maximum Term
3% above earning rate n/a

Effective 5/08/2013

Not Fully Share Secured

APR Maximum Term
as low as 8.50% 60 months

Effective 5/08/2013

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.

SAVINGS RATES:

Share Savings Account

Div/Int Rate APY Minimum
0.45% 0.45%* $5

Effective 4/11/14 - 4/17/14

Pick 5 Share Savings Account

Div/Int Rate APY Minimum
Click Here for details Click Here for details $5

Effective 4/11/14

Christmas Club

Div/Int Rate APY Minimum
0.45% 0.45% $1

Effective 4/11/14 - 4/17/14

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 4/11/14 - 4/17/14

Young at Heart Checking

Div/Int Rate APY Minimum
0.26% 0.26% $100

Effective 4/11/14 - 4/17/14

Daily Action

Div/Int Rate APY Minimum
0.30% 0.30% $2,500

Effective 4/11/14 - 4/17/14

Business Money Market

Div/Int Rate APY Minimum
0.00% 0.00% $0 - $9,999
0.075% 0.08% $10,000 - $49,999
0.175% 0.18% $50,000 - $99,999
0.25% 0.25% $100,000+

Effective 4/11/14 - 4/17/14

IRA Daily

Div/Int Rate APY Minimum
0.45% 0.45% 0

Effective 4/11/14 - 4/17/14

Monthly Certificates (Includes IRA)

Type Div/Int Rate APY Minimum
90 days 0.20% 0.20% $20,000
6 months 0.35% 0.35% $20,000
12 months 0.45% 0.45% $20,000
18 months 0.50% 0.50% $20,000
24 months 0.80% 0.80% $20,000
30 months 0.90% 0.90% $20,000
36 months 1.04% 1.04% $20,000
48 months 1.15% 1.15% $20,000
60 months 1.39% 1.39% $20,000
72 months 1.39% 1.39% $20,000

Effective 4/11/14 - 4/17/14

Quarterly Certificates (Includes IRA)

Type Div/Int Rate APY Minimum
90 Days 0.20% 0.20% $500
6 months 0.35% 0.35% $500
12 months 0.45% 0.45% $500
18 months 0.50% 0.50% $500
24 months 0.80% 0.80% $500
30 months 0.90% 0.90% $500
36 months 1.04% 1.04% $500
48 months 1.15% 1.15% $500
60 months 1.39% 1.40% $500
72 months 1.39% 1.40% $500

Effective 4/11/14 - 4/17/14

IRA Certificates Roth

Type Div/Int Rate APY Minimum
12 months 0.45% 0.45% $500
36 months 1.04% 1.04% $500
60 months 1.39% 1.40% $500

Effective 4/11/14 - 4/17/14

IRA Certificates Educational

Type Div/Int Rate APY Minimum
12 months 0.45% 0.45% $500
36 months 1.04% 1.04% $500
60 months 1.39% 1.40% $500

Effective 4/11/14 - 4/17/14

Business Interest Checking

Div/Int Rate 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 4/11/14 - 4/17/14

*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.

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.