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Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.
If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.
You can also qualify for membership by being a family member of a current or potential Listerhill member.
With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.
By clicking "Continue," you will leave Listerhill's website and enter a website hosted by a third party. Please be aware that this external website is not operated by Listerhill Credit Union. We are not responsible for the content, availability or the security of this linked site, and our privacy policies do not apply. We encourage you to review the privacy and security policies of the site you are visiting.
We’ve refreshed our online banking login to make it easier to find — look for it in the sidebar of our new homepage. Don’t worry, your original login option is still there too!
Our new search bar lives right at the top of every page, complete with autocomplete, popular searches, and helpful filters. Finding what you need has never been quicker.
Quick-access buttons now sit right below the homepage banner, putting our most popular tools and pages within easy reach — especially on mobile. We’ve also simplified our menus so you can navigate in fewer clicks.
We’ve optimized every corner of our site for mobile, so banking with us feels smooth and simple wherever you are. Take a look around and see what’s new!
As a credit union, we do things a little differently. As a member, you reap the benefits. Joining our family gives you more than better rates and lower fees. It offers a sense of belonging because you'll have membership in a co-op dedicated to giving back to the communities we serve. And by making your business stronger, you'll be better able to serve your neighbors as well.
P: 256.314.6587 | E: [email protected]
From One Oven to Many: Expanding with Listerhill Business Lending
Jeremy Walton got together with the owners of The Pie Factory in Florence, Alabama to chat about how Listerhill was able to help them accommodate the needs of their growing business and focus on what they do best.
Financing the Framework: Building Strong Foundations Together
Jeremy Walton met with the owners of Burchell Properties, LLC in Columbia, Tennessee to talk about what Listerhill has meant to their family business.
Keys to Success: Unlocking Real Estate Growth with Listerhill
Dewayne Eckl spoke with CEO of Noble Investments, Mack Cornwell, about his experiences as a business owner and about how Listerhill has been a strong lending partner of RiverCo Real Estate located in Florence, Alabama.
Building the Backbone: Listerhill Helps Lay a New Foundation
Dewayne Eckl spoke with Frank Hernandez, Jr., President of Hernandez Universal Construction (formerly Hernandez Concrete Finishing, Inc.), about his experience as a business owner and how Listerhill was able to help their venture develop and become a competitor in the construction industry.
Since 1952, business owners have turned to us as their trusted financial partner. There's a simple reason why. It's because we listen and learn before customizing our comprehensive financial solutions to help them reach their goals. That way, they can stay focused on running their business, with us at their side to help it run smoothly and grow. From purchasing property and equipment, to securing an operating line and utilizing merchant services, Listerhill is here to lend a hand - not just money.
From nearly 20 branches in the area and our participation in a network of credit unions across the country, Listerhill members are never far from their money. We offer a 24-hour automated telephone service that lets you check balances, transfer funds, make loan payments, and more. We also have Smart ATMs, so you can make a deposit, get exact change, or make loan payments - all 24 hours a day.
At Listerhill, we believe your financial life should work around your schedule, not ours. That's why we’ve introduced our Smart ATMs, so you can make a deposit, get exact change or make loan payments — all 24 hours a day.
Online Banking gives you access to manage your accounts at any time from your computer. View detailed account history, access eStatements, transfer funds, pay bills or other people and even budget your accounts from any financial institution.
Most of us live day-to-day with our phone in our hands. There is no reason your money shouldn't be right there with you. Whether you want to make a deposit, pay bills, transfer funds, or even purchase a cup of coffee, we've got you covered!
The seed stage is when your business is just a thought or an idea. Most businesses will have to overcome the challenge of market acceptance and you must focus on matching business opportunity with your skills, experience, and passions.
Your business now exists in legal terms! Products or services are in production and you have your first customers. The main challenge is not to burn through your funds. Learn what profitable needs your clients have and do a reality check to see if your business is on the right track at this stage. Most start-ups require establishing a customer base and market presence while conserving cash flow.
Revenues and customers are increasing with many new opportunities and issues. Profits are strong, but the competition is surfacing. Learning to manage a consistent range of issues at this stage is crucial. Focus on running your business in a more formal fashion to deal with increased sales and customers. Improve management systems and hire new employees to deal with the influx of business.
Your business has now matured into a thriving company with a place in the market and loyal customers! Sales growth is not explosive but manageable and business life has become routine. It's important to stay focused on the bigger picture by improving productivity to stay competitive and retain customers. To compete in an established market, you'll need automation and outsourcing to improve productivity.
Your company is growing into new markets and distribution channels. This stage is often the time to choose to gain a larger market share and find new revenue and profit channels, if desired. After planning and researching, add new products or services to existing markets or expand your business into new markets.
Changes in the economy, society, or market conditions can decrease sales and profits quickly leading to struggle. Businesses in decline will be challenged by dropping sales, profits, and negative cash flow. The biggest issue is how long your business can support negative cash flow in this stage. Consider if it may be time to move on by seeking out new opportunities and business ventures while cutting costs and finding ways to sustain cash flow.
It's a big opportunity for your business to cash out on all the effort and years of hard work you've put in. Selling a business requires a realistic valuation. If you decide to close your doors, the challenge is to deal with the financial and psychological aspects of a business loss. Get a proper valuation of your company. Look at your business operations, management, and competitive barriers to make the company worth more to a buyer and setup legal buy-sell agreements along with a business transition plan.
*Information sourced from "The 7 Stages of Starting and Running a Business" by Darrell Zahorsky, The Balance Small Business (October 28, 2019). Click here to read full article.
Employer Identification Number (EIN) documentation, if applicable.
For each account type, provide for identification all signers and information for beneficial owners.
*Other documentation may be required to complete the application process.
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05.02.2024
You can apply as a current member or become a member during the application process if you meet eligibility and credit requirements.†
It means you won't be charged interest on qualifying purchases for the first 12 months after opening your new Listerhill Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, or Keystone Platinum® credit card.†
This introductory 0% APR offer applies for 12 months from account opening.†
No; current Listerhill Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, and Keystone Platinum® credit cardholders are not eligible for this offer, but other promotions may be available.
This offer is available to new Listerhill Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, and Keystone Platinum® credit cardholders and is subject to credit approval.‡
