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Share & Certificate Secured Loans

Keep your savings intact and buy what you need with a share or certificate secured loan.   APPLY NOW

You can receive Listerhill’s lowest interest rates by borrowing against your deposits. You continue to earn interest on your deposits while paying a lower rate on your loan.

If you have damaged credit, a share or certificate secured loan is a great way to increase your credit score. Come in or apply online for your share or certificate secured loan today.


  • No application fees or service charges
  • Share savings or certificate serves as collateral
  • Certificate secured loan interest rate is 2% over the certificate's interest rate
  • Share secured loan interest rate is 3% over the share savings dividend rate
  • No minimum or maximum repayment terms
  • Safeguard your family through optional loan payment protection
  • Financial Fitness Program — Balance

Ways to Pay

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more. Read our short guides to learn tips and terms that will help guide you through the buying and borrowing process.


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.