loading...

employee_memberpromo_202411

CDs to fit your savings goal and the tools to help you do it.

With a Certificate, or CD, you will earn a guaranteed, fixed rate of return with a fixed date of withdrawal. The longer you choose to save, the more interest you can earn — no matter how Wall Street's doing.

With fast-earning features like Raise-My-Rate bump option, anytime CD deposit, and premium interest rates, Listerhill's certificates offer you a solid option for building your savings. Apply in less than 10 minutes with our fast online application.

Cash in on rising rates by locking in a one-time rate bump on any certificate we offer with the same term.

Deposit $500 or more at any time to any existing certificate.

As little as $500 can get you started.

Rest easy knowing your account is federally insured up to $250,000.

Although, early withdrawal penalties apply.

Terms range from 6 to 60 months.

Apply for your account in 10 minutes or less with our quick, easy online application.

Raise-My-Rate Option

Cash in on rising rates by locking in a one-time rate bump on any certificate we offer with the same term.

Anytime CD Deposit

Deposit $500 or more at any time to any existing certificate.

Low Minimum Deposit

As little as $500 can get you started.

Insured by NCUA

Rest easy knowing your account is federally insured up to $250,000.

No Service Charges

Although, early withdrawal penalties apply.

Your Choice of Terms

Terms range from 6 to 60 months.

Speedy Application

Apply for your account in 10 minutes or less with our quick, easy online application.

Certificates Current Rates

Standard Certificates

Effective 8/7/26 - 8/13/26

Dividend Rate (%): 3.450%

APY (%): 3.49%

Minimum Opening Deposit: $500

Term (Months): 6 months

Dividend Rate (%): 3.650%

APY (%): 3.70%

Minimum Opening Deposit: $500

Term (Months): 12 months

Dividend Rate (%): 3.410%

APY (%): 3.45%

Minimum Opening Deposit: $500

Term (Months): 15 months

Dividend Rate (%): 3.400%

APY (%): 3.44%

Minimum Opening Deposit: $500

Term (Months): 18 months

Dividend Rate (%): 3.400%

APY (%): 3.44%

Minimum Opening Deposit: $500

Term (Months): 24 months

Dividend Rate (%): 3.250%

APY (%): 3.29%

Minimum Opening Deposit: $500

Term (Months): 36 months

Dividend Rate (%): 3.250%

APY (%): 3.29%

Minimum Opening Deposit: $500

Term (Months): 48 months

Dividend Rate (%): 3.500%

APY (%): 3.55%

Minimum Opening Deposit: $500

Term (Months): 60 months

^*

Standard Certificate Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

Jumbo Certificates

Effective 8/7/26 - 8/13/26

Dividend Rate (%): 3.550%

APY (%): 3.60%

Minimum Opening Deposit: $250,000

Term (Months): 6 months

Dividend Rate (%): 3.750%

APY (%): 3.80%

Minimum Opening Deposit: $250,000

Term (Months): 12 months

Dividend Rate (%): 3.510%

APY (%): 3.56%

Minimum Opening Deposit: $250,000

Term (Months): 15 months

Dividend Rate (%): 3.500%

APY (%): 3.55%

Minimum Opening Deposit: $250,000

Term (Months): 18 months

Dividend Rate (%): 3.500%

APY (%): 3.55%

Minimum Opening Deposit: $250,000

Term (Months): 24 months

Dividend Rate (%): 3.350%

APY (%): 3.39%

Minimum Opening Deposit: $250,000

Term (Months): 36 months

Dividend Rate (%): 3.350%

APY (%): 3.39%

Minimum Opening Deposit: $250,000

Term (Months): 48 months

Dividend Rate (%): 3.600%

APY (%): 3.65%

Minimum Opening Deposit: $250,000

Term (Months): 60 months

^*

Jumbo Certificate Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

IRA Certificates

Effective 8/7/26 - 8/13/26

Dividend Rate (%): 3.450%

APY (%): 3.49%

Minimum Opening Deposit: $500

Term (Months): 6 months

Dividend Rate (%): 3.650%

APY (%): 3.70%

Minimum Opening Deposit: $500

Term (Months): 12 months

Dividend Rate (%): 3.410%

APY (%): 3.45%

Minimum Opening Deposit: $500

Term (Months): 15 months

Dividend Rate (%): 3.400%

APY (%): 3.44%

Minimum Opening Deposit: $500

Term (Months): 18 months

Dividend Rate (%): 3.400%

APY (%): 3.44%

Minimum Opening Deposit: $500

Term (Months): 24 months

Dividend Rate (%): 3.250%

APY (%): 3.29%

Minimum Opening Deposit: $500

Term (Months): 36 months

Dividend Rate (%): 3.250%

APY (%): 3.29%

Minimum Opening Deposit: $500

Term (Months): 48 months

Dividend Rate (%): 3.500%

APY (%): 3.55%

Minimum Opening Deposit: $500

Term (Months): 60 months

^*

IRA Certificate Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

Roth IRA Certificates

Effective 8/7/26 - 8/13/26

Dividend Rate (%): 3.650%

APY (%): 3.70%

Minimum Opening Deposit: $500

Term (Months): 12 months

Dividend Rate (%): 3.250%

APY (%): 3.29%

Minimum Opening Deposit: $500

Term (Months): 36 months

Dividend Rate (%): 3.500%

APY (%): 3.55%

Minimum Opening Deposit: $500

Term (Months): 60 months

^*

Roth IRA Certificate Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

Frequently Asked Questions

Need assistance? Check out our Help Center for frequently asked questions and contact details to get the help you need!

Where do I find Listerhill's routing number?

Listerhill's routing number is 262277011. You can find our routing number anytime by scrolling to the bottom of the website. It is located next to our Main Office address.

Where are you located?

The address for each branch is located on our Locations page, located at the top of the website. To find the branch closest to you, click "Allow" when prompted for access to your location through your browser.

Do you have mobile deposit for checks?

Yes! You can learn about how to use mobile deposit by logging into online banking and clicking Mobile Deposit. There, you will find step-by-step instructions on how to deposit your checks with your phone.

What is your rate and fee schedule?

You can access our most current rate and fee schedule by downloading it here.

How do I receive an incoming wire transfer at Listerhill?

All incoming wires must be received using Listerhill's routing number of 262277011. The member should use the routing number along with their member number and share ID suffix or their draft number when receiving a wire.

Wire to:

Listerhill Credit Union

4790 E. 2nd Street

Muscle Shoals, AL 35661

1-256-383-9204

ABA No.: 262277011

For credit to the account of:

Member's Name:

Member's Address:

Member's Account No.:

Read our latest articles

couple_adobestock_202210

Savings

5 min read

When to Start Saving For Retirement

Wondering when to start saving for retirement? While it’s never too late to start saving, ensuring y...

Read More

Emergency Fund

5 min read

How to Save for an Emergency

If you've used up your emergency funds to survive prolonged unemployment, an unexpected large expens...

Read More

couple_adobestock_202310

Savings

5 min read

How to Build Wealth in Your 30s and 40s

You've probably received a ton of financial advice at different stages of your life. Things like, "y...

Read More

couple_adobestock_202310

Savings

5 min read

How to Save Money Fast on a Low Income

Getting ahead can be hard when you don’t have much money to spare, especially when inflation means y...

Read More

individual_adobestock_202310

Savings

5 min read

How Much Money Should I Save for College?

College is an exciting but expensive stage of life. While student loans might seem like a simple way...

Read More

When to Start Saving For Retirement

Read More→

10.13.2022

couple_adobestock_202210

Emergency Fund

How to Save for an Emergency

03.26.2021

couple_adobestock_202310

How to Build Wealth in Your 30s and 40s

10.23.2023

By Listerhill Editorial Team

couple_adobestock_202310

How to Save Money Fast on a Low Income

10.23.2023

individual_adobestock_202310

How Much Money Should I Save for College?

10.09.2023

Powerful features at your fingertips

Join us and experience banking that’s designed for you.

Mobile Banking App

Powerful features at your fingertips

Join us and experience banking that’s designed for you.

Mobile Banking App

Need Help Finding
a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.