If you live, work, attend school, or own property anywhere in Alabama, Tennessee, Florida or Georgia, you're in luck! You're eligible to become a Listerhill member. You're also eligible to join Listerhill if you're related to someone who's already a member.

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.

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

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.

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.:

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.

Yes because choosing the right lender for your home loan or refinance can lead to a better transaction overall. This is especially important if you are a first time homebuyer or attempting to qualify under special circumstances.

If your Visa® card features the contactless symbol, you can use it to tap to pay where you see the contactless symbol.

Securing a mortgage through a credit union is preferable for many seeking to purchase a new home or refinance. Credit unions often offer more competitive mortgage rates in Alabama and are more flexible with their terms and conditions.

Monitor financial statements and credit reports regularly. Set fraud alerts/freezes with credit bureaus if anything suspicious appears.

Scammers often use family emergencies or tech threats to press older adults into payment. Encourage your loved ones to verify with you or Listerhill before sharing personal information or funds.

If you receive an unsolicited donation request, look them up independently, avoid urgent donation pressure, and never send money via untraceable methods like cryptocurrency.

These callers often spoof official numbers, threaten arrest or fines, and demand immediate payment. Real agencies never call demanding immediate payment via gift card or payment app.

Yes. Voice-cloned scams frequently imitate family members asking for help with fake emergencies. A safe word system can help prevent this.

A fixed-rate mortgage can make good financial sense if you’re looking for financial stability over a period of several years. While you will be charged more in total interest over the term of your loan (up to a 30-year term), you’ll pay the same amount each month (not including taxes and insurance premiums). That makes it easier to plan your monthly budget and set money aside for other priorities, like starting a family. Best of all, part of the money you spend on payments goes to build your equity — or ownership stake — in your home. That’s an asset you can turn into cash by selling or refinancing your home or borrowing against it in the future.

Assuming you borrowed $300,000 on a fixed 25 year mortgage loan at a current average annual percentage rate (APR), you could expect to pay about $2,120 per month (not including taxes and insurance premiums). This does not include any down payment you might make on the total purchase price of the house.

Your debt-to-income (DTI) ratio compares your monthly debt payments relative to your gross monthly income. Mortgage lenders use it to evaluate how well you manage debt and whether you can afford a new loan. A lower DTI generally makes it easier to qualify for mortgages and other loans. For conventional home loans, many lenders look for a DTI below 43%.

A down payment of up to 20% is considered good by many lenders. This gives you a significant stake in the property that you are borrowing money to buy. Lenders see a substantial down payment as a good indicator that you will continue to make payments because you risk losing your own money if you do not. Typically, you’ll get a lower mortgage interest rate the more money you are able to put down, although lenders do look at other factors as well.

Your credit history is extremely important to lenders when deciding whether to offer you a loan, because it provides an indication of how likely you are to pay back what you owe. This helps lenders determine how much of a risk you are. Typically, the better your credit history, the less risky you appear to lenders, and the better (lower) the interest rate you are likely to be offered.

Lenders do, however, look at other factors such as income, job stability, and existing debts. Credit unions like Listerhill are also known for taking a more holistic look at their members’ finances when deciding whether to approve a loan, rather than relying solely on the numbers.

Yes, you need to be a Listerhill member to apply for loans. To qualify for membership with Listerhill, you must meet one of the following requirements:

• If you live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member.
• Depending on your individual eligibility requirements, we may require membership in 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.
   

A home construction loan provides you with financing to build your dream home.

With terms up to 12 months, this short-term loan covers your costs, including land, contractor labor, building materials, and more, until your home receives an occupancy certificate.

Once your home is ready to move in, you will then secure a traditional home mortgage.

With an interest-only loan, you are only responsible for paying the interest on the amount you draw from the construction loan each month.

Here’s an example.

If you draw $15,000 in January, you pay 4.99% on $15,000

If you draw an additional $25,000 in February, you pay 4.99% on $40,000 ($15K from January + $25K from February)

At Listerhill, our focus is on “people helping people.” When you purchase a home, we want to offer you the support you need from application to closing. As a nonprofit cooperative owned and operated by its members, you own an equal “share” in Listerhill and vote in elections for the Board of Directors and Supervisory Committee. That means your voice is always heard, and in turn, our actions reflect your needs and desires. Our mortgage rates, terms, and policies will always reflect your needs in securing the best credit union mortgage loan in Alabama.

Construction loans provide short-term financing to build a new home or make major renovations. They work differently from traditional mortgages because they’re paid out in tranches at the end of each construction phase, not as a lump sum. You usually make interest-only payments during construction, based on the amount drawn. Once construction is complete, you refinance the outstanding loan amount into a traditional mortgage (or your loan converts automatically — known as construction to permanent loans).

Construction loans require more documentation and oversight than a standard mortgage, and may have more stringent credit requirements, because lenders consider financing construction to be a greater risk than extending loans for purchasing an existing home.

Yes, you will usually need 20% down for a conventional construction loan from most lenders, although it is possible to pay less for building loans financed by the FHA, USDA, or VA.

Listerhill Credit Union is able to offer some of the lowest construction loan rates in Alabama, Georgia, Mississippi, Florida and Tennessee because it is a member-owned financial cooperative, not a commercial bank. That means more of our earnings go back to our members in the form of lower loan rates, rather than being used to pay dividends to corporate shareholders.

Yes, you do need to be an existing member of Listerhill Credit Union to qualify for a loan. Becoming a member is easy, and once you join, you are a member for life, even if you retire, move away, or change employers.

To qualify for membership with Listerhill, you must meet one of the following requirements:

• You live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member.
  • Depending on your eligibility, we may require membership in an approved association at no cost to you.
• You are a family member of a current or potential Listerhill member.
   

A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land.

Once you’re ready to build, you can secure a different type of loan to cover construction costs.

When you purchase land, you want to ensure that it can be used for the desired purpose. That involves having certain information about the land in advance, such as the items listed below: land survey to know the boundaries of the property, property easements so you know who has permission to enter or use your land for sewer pipes or cable wires, title search to see what easements are on your land, zoning laws to determine whether the land is zoned for residential use, commercial use, or another option, flood hazard risk, so you’re aware of any extreme weather risks, and appraisal so you know the value of the land compared to similar options

If you can find one that also offers a low-interest rate, it’s worth getting a Visa® cash back credit card. When you use a cash rewards credit card, you get rewarded for making everyday purchases. As long as you practice good spending habits, you’ll enjoy the benefits.

Our Visa® Signature Rewards cash back credit card gives you a flat rate of 2% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.

Credit card companies can offer cash back because merchants that accept payments via credit card have to pay a percentage of the transaction fee to the credit card company. In this case, the credit card company can decide to share the merchant fee with you in the form of a cash back offer.

Even if your card isn’t contactless, load your card into your payment enabled phone to tap and pay today!

If you are already signed up for Online Banking but have not added your credit card, log in to your account and click the Services & Settings link (gear symbol) at the top right of the page.

Then, under Online Accounts, click Add Account. Enter your card number, add a nickname, and select Credit Card under Account Type. Finally, hit Add Account(s).

It should take no longer than one (1) business day for your new card to appear in Online Banking. 

Once your card appears in Online Banking in the All Accounts / Money I Owe section, click on the account and click Get Info. This will take you to the Account Home for your card.

Here, you can sign up for eStatements, make a payment on your credit card, view your transactions, and more. To set transaction alerts, enable travel notifications, or report a lost or stolen card, please use the LCU Cards app.

From Account Home, click the Rewards link on the right to review your cash rewards. Then click on the cashbackmall link to go directly to the site where you can choose how you wish to redeem your cash rewards.

You can begin redeeming cash rewards as soon as your rewards balance exceeds $5. You have the option to apply the balance as a statement credit or have the amount deposited into your Listerhill Share Savings account.

Log into Online Banking and click the Get Info link to the right of your card information. This will take you to our card servicing site.

• Select Rewards on the upper right side within the screen (below FICO Score) and on the next screen click on cashbackmall.
• Click on Redeem and choose whether you would like to receive a statement credit or deposit cash back into your Listerhill account.*

*Statement credit does not fulfill the obligation to pay a minimum payment each statement cycle. To apply as a minimum payment, the redemption must be deposited into a cardholder's Listerhill account. From there, it can be applied as a payment toward your minimum due obligation.

Please call 256-383-9204 or 1-800-239-6033 to speak with a Listerhill support team member. You can also chat with us on our website during service hours (Monday-Friday; 9AM-5PM).
 

Cash back rewards are not transferrable. They may be redeemed and transferred between accounts through Online Banking.

Cash back rewards on applicable Listerhill Visa® credit cards are calculated at 2% on every purchase. Cash advances and balance transfers are not eligible and do not earn cash back rewards.

Cash back rewards are available for Visa® Signature Rewards and Keystone Signature credit cards. If you have either of these cards, you are eligible for cash back rewards.

If you had merchandise points earned from previous Listerhill Visa® credit card products or promotions, your points have been converted to cash back rewards (as of 09/01/2022). Through Online Banking, you may access cashbackmall to access and redeem your cash back rewards.

All career opportunities with the credit union are posted in the Careers page, located at the bottom of every page.

If you live, work, attend school, or own property anywhere in Alabama, Tennessee, Florida or Georgia, you're in luck! You're eligible to become a Listerhill member. You're also eligible to join Listerhill if you're related to someone who's already a member.

Yes. You can open your Listerhill account, loan, or credit card online in minutes.

Yes! If you don't already qualify through where you live, you can become eligible for membership at Listerhill anywhere in Alabama, Tennessee, Mississippi, Georgia or Florida by joining the Kicks for Kids Association.

This membership is initiated at no cost to you and doesn't require any setup on your part outside of the normal application process to become a member.

You should always press the “Credit” button. Although the Visa Gift Card is not a credit card, the transaction is processed like one. You should always sign a sales receipt.

Requests must be submitted at least two weeks in advance of the time when you need the funds or prior to the event you are fundraising for.

This is because our socially responsible investment strategy requires that we have time to go over each request and make sure we are using the credit union's community donations in the most impactful way.

If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference in cash, check, credit or debit card. If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will not be approved.

We aim to support a wide range of non-profit organizations that are contributing to community development and enrichment in our focus areas. Your nonprofit may be eligible to receive a donation for things like improving schools, boosting economic development, helping underserved communities with food or clothing, or even providing affordable housing.

In the event you need to return an item you purchased with your Visa Gift Card, the merchant will handle the item in accordance with Visa guidelines. The merchant may credit your card (put the funds back on the card) thereby increasing your available funds.

We offer membership to people who live, work, worship, or attend school in northwest Alabama and south-central Tennessee. Community donations are available to nonprofits based within these areas.

When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.

A one-time $5 deposit establishes your membership.

Contact Listerhill Credit Union Visa Gift Card Center immediately at 1-866-902-6082. Additionally, read our Visa Gift Card Terms and Conditions for important Visa Gift Card information.

Yes. Your deposits are federally insured by the NCUA up to applicable limits.

Your Listerhill Credit Union Visa Gift Card is a prepaid Visa Debit Card with a specific dollar value. Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted.

No. If you live in Alabama, Georgia, Florida, Mississippi, or Tennessee and don't have a Listerhill branch nearby, you can still access your accounts with online banking and mobile banking.

Call the number on the back of your card for balances and transaction history or visit www.listerhill.com/giftcard.

Yes. If you live in Alabama, Georgia, Florida, Mississippi, or Tennessee and don't have a Listerhill branch nearby, you can still access your accounts with online banking and mobile banking.

A Personal Identification Number (PIN) is available by calling 1-866-902-6082 or at www.listerhill.com/giftcard.

Your Listerhill Credit Union Gift Card is not active when you receive it. To activate the card, call 1-866-902-6082 or visit www.listerhill.com/giftcard.

1. Lifetime credit union membership

2. Competitive rates on a wide range of savings products like:

• Share Savings
• Money Market
• Certificates
• IRAs
• My Goal Savings
• Explorer Rewards

3. A wide range of loan products like:

• Auto loans
• Personal loans
• Recreational loans

4. Competitive loan and savings rates.

5. 24/7 account access with Smart ATMs, Online and Mobile Banking, or by telephone with Automated Access. The choice is yours.

6. eStatements

7. Overdraft Services

8. Up to 3 overdraft refunds per year on us.

9. First box of checks free when you open your new checking account.

10. Free Visa debit card with rewards or a UNA Keystone Debit Card to show your #lionpride and give back to the University.

11. Checking accounts with no minimum balance required.

12. Interest-earning checking accounts

13. Free Online Banking with features like:

• Free Online Bill Pay
• PopMoney
• Notify Me Alerts
• Personal Finance Manager

14. 24/7 Access to Smart ATMS with features like:

• Make a deposit
• Get exact change
• Make loan payments
• Speak with a real, local representative

15. Access to 5,000 CO-OP Shared Branches nationwide for easy access to your money wherever you go.

16. Visa Platinum Cash Back card with 1% cash back on everything you buy.

17. A full-service mortgage lending department and your mortgage stays with Listerhill for the life of the loan.

18. A full-service financial planning department that gives you personalized, local service.

19. Access to financial wellness education courses and information.

1. Completely free program and zero liability to your company.

2. Easy to implement – requires no additional staffing or resource allocation.

3. Builds employee loyalty and helps your organization stand out in a competitive employment market.

4. Encourages financially stable employees through free on-site financial workshops.

5. Initial on-site employee orientation; re-orientations and free financial seminars available. Once signed up, our SEG partner organizations are offered a free 30-40 minute on-site orientation to educate employees about the benefits of belonging to the Listerhill Credit Union financial cooperative. This informative and helpful session gives your employees a chance to ask questions and learn about the many benefits, products and services that membership provides them. Once on board, we also offer Listerhill Works partner organizations free Lunch n’ Learn seminars for employees. Topics include creating a budget, paying for college, debt management and how to buy a home.

6. Credit union support at benefit fairs and open enrollment.

7. Same-day account opening – we can immediately assist your employees who would like to open an account during our visit.

8. Free informational materials – We provide all materials at no charge, including brochures and financial wellness educational workbooks

9. Free participation in employee benefits fairs, new employee orientation meetings and other organizational events.

10. No hassle partnership – we do all the work!

To request a donation for a community event, please click Community at the top of the website and scroll down the page until you see the Request a Donation button on our page.