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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.
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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 and start taking advantage of our great rates.
Effective 8/1/2026
All Auto Loan rates and terms are subject to change without notice and are subject to credit approval. Actual APR will be based on the creditworthiness of the borrower. Other restrictions may apply. APR = Annual Percentage Rate.
Relationship pricing discounts are available on eligible auto loans requested within thirty (30) days of loan opening. Approved borrowers may qualify for a 0.25% APR reduction for each of the following activities, up to a maximum total reduction of 1.00% APR: opening an Everyday or Growth Checking account; establishing direct deposit to a new or existing Listerhill account; setting up automatic payments for a new or existing Listerhill loan; opening a Listerhill Visa® Signature Rewards or Visa® Platinum credit card; and/or refinancing a loan from another financial institution with Listerhill. Discounted rates will not be reduced below 6.00% APR. Existing Listerhill loans are not eligible for refinance discounts. Offer cannot be combined with any other promotion. Additional eligibility requirements and restrictions may apply. Visit listerhill.com/relationship for complete details.
Effective 8/1/2026
All Recreational Loan rates, APRs, and terms are subject to change without notice. Membership eligibility is required. All loans are subject to credit approval. Actual rate and APR will be based on the borrower's creditworthiness. Additional loan terms may be available based on collateral type, loan amount, and credit qualifications. Additional eligibility requirements, terms, and restrictions may apply. Contact a Listerhill member advocate or loan officer for complete details. APR = Annual Percentage Rate.
Relationship pricing discounts are available on eligible recreational loans when requested within thirty (30) days of loan origination. Approved borrowers may qualify for a 0.25% APR reduction for each of the following: opening an Everyday or Growth Checking account; establishing direct deposit to a new or existing Listerhill account; setting up automatic payments for a new or existing Listerhill loan account; opening a Listerhill Visa® Signature Rewards or Visa® Platinum credit card; and/or refinancing a loan from another financial institution with Listerhill. Discounts may be combined for a maximum total reduction of 1.00% APR. The discounted APR cannot be reduced below 6.00% APR. Existing Listerhill loans are not eligible for refinance discounts. Offer cannot be combined with any other promotion. Additional eligibility requirements and restrictions may apply. Visit listerhill.com/relationship for complete details.
Effective 8/1/2026
All Personal Loan rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate.
Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
Personal loan terms from 48 to 72 months. APR as low as 9.74%. The payment on a $10,000 loan would be $252.38 per month by using the $25.24 per $1,000 at a non-variable interest rate of 9.74% APR with a 48-month term. This equates to total repayment of $12,114.24 over the life of the loan.
In accordance with applicable laws and regulations, loan proceeds may not be used for business, commercial, agricultural, organizational, or student loan purposes (among other less common purposes).
Anytime Personal Line of Credit is subject to membership eligibility and credit approval. Rates, terms, conditions, and credit limits are subject to change without notice. APR = Annual Percentage Rate. APR, credit limit, and other terms may vary based on individual borrower's creditworthiness and other underwriting factors. APR may vary after account opening. Membership eligibility required. Other restrictions may apply. Contact a Listerhill Credit Union loan officer for complete details.
In accordance with applicable laws and regulations, loan proceeds may not be used for business, commercial, agricultural, organizational, or student loan purposes (among other less common purposes).
Effective 8/1/2026
Mortgage and Home Loans are subject to credit approval. Actual rates will be determined by the individual creditworthiness of each borrower. Rates are subject to change without notice. The APR on adjustable-rate home loans may vary and are subject to change after consummation. Property, occupancy, underwriting, and other restrictions may apply. Equal Housing Lender. Contact a loan officer for current rates, APRs, down payment requirements, and complete program details. APR = Annual Percentage Rate.
Effective 8/1/2026
Membership required. Subject to credit approval. Rates and terms are based on creditworthiness and may vary. rates are subject to change without notice. Additional restrictions may apply. Contact Listerhill Credit Union for current rates and complete details. APR = Annual Percentage Rate.
Effective 8/1/2026
All Other Loan rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply. All loans and credit cards are subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Other restrictions may apply. APR = Annual Percentage Rate.
In accordance with applicable laws and regulations, loan proceeds may not be used for business, commercial, agricultural, organizational, or student loan purposes (among other less common purposes).
Effective 8/1/2026
Visa® Signature Rewards Credit Card rates and terms are subject to change without notice. Subject to underwriting and credit approval. Actual rate and credit limit will vary according to creditworthiness. Signature Cards require a $5,000 or greater credit limit. 2% cash back does not apply to balance transfers or cash advances. Other restrictions may apply. APR = Annual Percentage Rate.
Effective 8/1/2026
Visa® Platinum Credit Card rates and terms are subject to change without notice. Subject to underwriting and credit approval. Actual rate and credit limit will vary according to creditworthiness. Other restrictions may apply. APR = Annual Percentage Rate.
Effective 8/1/2026
APR = Annual Percentage Rate. APR is variable and will change as the dividend rate on the pledged account changes. Loan APRs are based on the dividend rate being earned on the pledged account. Rates are subject to change without notice.
Effective 8/1/2026
APR = Annual Percentage Rate. APR is 2.00 percentage points above the dividend rate being earned on the pledged share account. Loan APRs are based on the dividend rate being earned on the pledged account. Rates are subject to change without notice.
Effective 8/1/2026
Good Start Savings Account APY is accurate as of the last dividend declaration date. Rates are subject to change without notice. APY = Annual Percentage Yield. Minimum balance of $5 required.
Effective 8/1/2026
Explorer Rewards Savings Account APY is accurate as of the last dividend declaration date. Rates are subject to change without notice. APY = Annual Percentage Yield. Minimum balance of $5 required.
Effective 8/1/2026
The compound interest earned with the IRA Savings Account is calculated quarterly. Rates are subject to change without notice. APY = Annual Percentage Yield.
Effective 8/1/2026
The compound interest earned with the Roth IRA Savings Account is calculated quarterly. Rates are subject to change without notice. APY = Annual Percentage Yield.
Effective 8/1/2026
This is a variable rate account. The dividend rate and APY may change after the account is opened. The minimum balance required to earn the stated APY is shown for each tier. Money Market Account balances below $2,500 are subject to a low-balance fee. Fees could reduce earnings on the account. See account disclosures for complete terms and fee information. There is no limit on in-branch withdrawals or ATM withdrawals. APY = Annual Percentage Yield.
Effective 8/7/26 - 8/13/26
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.
Effective 8/7/26 - 8/13/26
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.
Effective 8/7/26 - 8/13/26
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.
Effective 8/7/26 - 8/13/26
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.
Effective 8/1/2026
This is a variable-rate account. The dividend rate and APY may change after the account is opened. A minimum daily balance of $1,000 is required to avoid a monthly low-balance fee. Fees could reduce earnings on the account. See account disclosures for complete terms, conditions, limitations, and fee information. APY = Annual Percentage Yield.
We also apply a monthly maintenance fee to manage your account. However, we waive this fee if you meet any of the following criteria: you are under 25 years of age; your account is less than 90 days old; you (or someone in your household) have a Listerhill loan or mortgage; you (or someone in your household) have opened a Listerhill credit card or started a relationship with Listerhill Investment Services within the last 12 months.
Effective 8/1/2026
Business High Yield Checking Account rates subject to change without notice. Terms and conditions apply. APY = Annual Percentage Yield.
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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.‡