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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 and start taking advantage of our great rates.

Lending Rates

Auto Loans

Effective 8/1/2026

New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%): 5.74%
Term (Months/Years): 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%): 5.99%
Term (Months/Years): 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%): 6.24%
Term (Months/Years): 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%): 6.99%
Term (Months/Years): 84 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%): 7.74%
Term (Months/Years): 96 months
Previous 3 Years and up - More Than 30,000 miles
APR as low as (%): 6.24%
Term (Months/Years): 66 months
Previous 3 Years and up - More Than 30,000 miles
APR as low as (%): 6.49%
Term (Months/Years): 75 months
Used Auto (4-6 years old)
APR as low as (%): 6.99%
Term (Months/Years): 75 months
Used Auto (7-24 Years)
APR as low as (%): 7.74%
Term (Months/Years): 75 months
Antique Automobiles (25 yrs old)
APR as low as (%): 7.74%
Term (Months/Years): 75 months
Rebuilt Automobiles
APR as low as (%): 8.25%
Term (Months/Years): Terms based on year

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.

Recreational Loans

Effective 8/1/2026

New Motor Homes
APR as low as (%): 8.49%
Term (Months/Years): 180 months
New Motor Homes
APR as low as (%): 7.99%
Term (Months/Years): 120 months
New Motor Homes
APR as low as (%): 6.99%
Term (Months/Years): 84 months
Used Motor Home
APR as low as (%): 8.99%
Term (Months/Years): 180 months
Used Motor Home
APR as low as (%): 8.49%
Term (Months/Years): 120 months
Used Motor Home
APR as low as (%): 7.50%
Term (Months/Years): 84 months
New Travel Trailer or 5th Wheel
APR as low as (%): 8.49%
Term (Months/Years): 180 months
New Travel Trailer or 5th Wheel
APR as low as (%): 7.99%
Term (Months/Years): 120 months
New Travel Trailer or 5th Wheel
APR as low as (%): 6.99%
Term (Months/Years): 84 months
Used Travel Trailer or 5th Wheel
APR as low as (%): 8.99%
Term (Months/Years): 180 months
Used Travel Trailer or 5th Wheel
APR as low as (%): 8.49%
Term (Months/Years): 120 months
Used Travel Trailer or 5th Wheel
APR as low as (%): 7.99%
Term (Months/Years): 84 months
Used Travel Trailer or 5th Wheel
APR as low as (%): 7.50%
Term (Months/Years): 72 months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000
APR as low as (%): 8.24%
Term (Months/Years): 84 months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000
APR as low as (%): 7.24%
Term (Months/Years): 75 months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000
APR as low as (%): 6.99%
Term (Months/Years): 60 months
New Motorcycle or ATV/UTV
APR as low as (%): 7.74%
Term (Months/Years): 75 months
New Motorcycle or ATV/UTV
APR as low as (%): 6.99%
Term (Months/Years): 60 months
Used Motorcycles or ATV/UTV
APR as low as (%): 7.99%
Term (Months/Years): 60 months
New Boat
APR as low as (%): 8.49%
Term (Months/Years): 180 months
New Boat
APR as low as (%): 8.24%
Term (Months/Years): 144 months
New Boat
APR as low as (%): 7.99%
Term (Months/Years): 120 months
New Boat
APR as low as (%): 6.99%
Term (Months/Years): 84 months
New Boat
APR as low as (%): 6.74%
Term (Months/Years): 72 months
Used Boat
APR as low as (%): 9.74%
Term (Months/Years): 180 months
Used Boat
APR as low as (%): 9.49%
Term (Months/Years): 144 months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000)
APR as low as (%): 9.24%
Term (Months/Years): 120 months
Used Boat
APR as low as (%): 7.99%
Term (Months/Years): 72 months
Used Boat
APR as low as (%): 6.99%
Term (Months/Years): 60 months
New Waverunner or Personal Watercraft
APR as low as (%): 7.49%
Term (Months/Years): 84 months
New Waverunner or Personal Watercraft
APR as low as (%): 7.24%
Term (Months/Years): 72 months
Used Waverunner
APR as low as (%): 8.75%
Term (Months/Years): 72 months

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.

Personal Loans

Effective 8/1/2026

Personal
APR as low as (%): 11.99%
Term (Months/Years): 84 months
Personal
APR as low as (%): 11.24%
Term (Months/Years): 72 months
Personal
APR as low as (%): 10.49%
Term (Months/Years): 60 months
Personal
APR as low as (%): 9.74%
Term (Months/Years): 48 months
Anytime Personal Line of Credit
APR as low as (%): 11.24%
Term (Months/Years): Call 256-383-9204 for more information

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).

Home Loans

Effective 8/1/2026

30 Year Fixed Rate
APR as low as (%): Call 1-800-239-6033 for the latest rate
Term (Months/Years): 30 years
20 Year Fixed Rate
APR as low as (%): Call 1-800-239-6033 for the latest rate
Term (Months/Years): 20 years
15 Year Fixed Rate
APR as low as (%): Call 1-800-239-6033 for the latest rate
Term (Months/Years): 15 years
Home Equity Line of Credit
APR as low as (%): 4.00%, variable
Term (Months/Years): 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage
APR as low as (%): 5.24%
Term (Months/Years): 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage
APR as low as (%): 5.50%
Term (Months/Years): 5 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage - 100% of Purchase Price
APR as low as (%): 6.75%
Term (Months/Years): 5 years (amortized over 30 years)
Short Term Fixed
APR as low as (%): 5.75%
Term (Months/Years): 10 years
Construction Loan
APR as low as (%): 7.49%
Term (Months/Years): 12 months
Land Loan
APR as low as (%): 6.75%
Term (Months/Years): 10 years
Land Loan
APR as low as (%): 7.25%
Term (Months/Years): 20 years

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.

Boat Dock Loans

Effective 8/1/2026

Boat Dock Loan
APR as low as (%): 7.74%
Term (Months/Years): 120 months

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.

Other Loans

Effective 8/1/2026

Farm Equipment
APR as low as (%): 6.99%
Term (Months/Years): 84 months
Lawnmowers and Utility Trailers
APR as low as (%): 6.99%
Term (Months/Years): 72 months

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).

Credit Card Rates

Visa® Signature Rewards Credit Card

Effective 8/1/2026

APR as low as (%): 12.99% APR

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.

Visa Platinum Credit Card

Effective 8/1/2026

APR as low as (%): 12.99% APR

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.

Secured Lending

Share Secured

Effective 8/1/2026

APR (%): 3% above earning rate

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.

Money Market Secured

Effective 8/1/2026

APR (%): 3% above the lowest money market tier rate

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.

Certificate Secured

Effective 8/1/2026

APR (%): 2% above CD rate

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.

Savings Rates

Share Savings Account

Effective 8/1/2026

APY (%): 0.20%
Dividend Rate (%): 0.200%
Minimum Balance: $5

Share Savings Account APY is accurate as of the last dividend declaration date. Rates are subject to change without notice. APY = Annual Percentage Yield.

My Goal Savings Account

Effective 8/1/2026

Dividend Rate (%): 0.200%
APY (%): 0.20%
Minimum Balance: $5

My Goal Savings Account APY is accurate as of the last dividend declaration date. Rates are subject to change without notice. APY = Annual Percentage Yield.

Good Start Savings Account

Effective 8/1/2026

Dividend Rate (%): 0.200%
APY (%): 0.20%
Minimum Balance: $5

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.

Explorer Rewards Savings Account

Effective 8/1/2026

Dividend Rate (%): 0.200%
APY (%): 0.20%
Minimum Balance: $5

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.

IRA Savings Account

Effective 8/1/2026

Dividend Rate (%): 0.200%
APY (%): 0.20%
Minimum Balance: $0

The compound interest earned with the IRA Savings Account is calculated quarterly. Rates are subject to change without notice. APY = Annual Percentage Yield.

Roth IRA Savings Account

Effective 8/1/2026

Dividend Rate (%): 0.200%
APY (%): 0.20%
Minimum Balance: $0

The compound interest earned with the Roth IRA Savings Account is calculated quarterly. Rates are subject to change without notice. APY = Annual Percentage Yield.

Money Market Rates

Money Market Account

Effective 8/1/2026

Dividend Rate (%): 1.340%
APY (%): 1.35%
Minimum Balance: $0-$9,999.99
Dividend Rate (%): 1.540%
APY (%): 1.55%
Minimum Balance: $10,000-$49,999.99
Dividend Rate (%): 1.930%
APY (%): 1.95%
Minimum Balance: $50,000-$99,999.99
Dividend Rate (%): 2.080%
APY (%): 2.10%
Minimum Balance: $100,000+

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.

Certificate 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.

Checking Rates

Growth Checking Account

Effective 8/1/2026

Dividend Rate (%): 0.000%
APY (%): 0.00%
Minimum Balance: $0-$999.99
Dividend Rate (%): 1.390%
APY (%): 1.40%
Minimum Balance: $1,000-$9,999.99
Dividend Rate (%): 1.540%
APY (%): 1.55%
Minimum Balance: $10,000-$49,999.99
Dividend Rate (%): 2.250%
APY (%): 2.27%
Minimum Balance: $50,000+

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.

Business Rates

Business High Yield Checking Account

Effective 8/1/2026

Dividend Rate (%): 0.000%
APY (%): 0.00%
Minimum Balance: $0-$9,999.99
Dividend Rate (%): 0.250%
APY (%): 0.25%
Minimum Balance: $10,000-$49,999.99
Dividend Rate (%): 0.350%
APY (%): 0.35%
Minimum Balance: $50,000-$99,999.99
Dividend Rate (%): 0.400%
APY (%): 0.40%
Minimum Balance: $100,000+

Business High Yield Checking Account rates subject to change without notice. Terms and conditions apply. APY = Annual Percentage Yield.

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Not a member yet?

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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Not a member yet?

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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