Business Details
Your Trusted Community Credit Union in Sheffield, AL
Listerhill Credit Union is a nonprofit financial cooperative dedicated to improving lives within our community. Established to serve members across Alabama, Georgia, Mississippi, Florida, and Tennessee, we operate as a member-owned institution where deposits are reinvested to benefit our members through competitive rates and comprehensive financial services. Our mission centers on providing accessible banking solutions while maintaining a hometown feel through personalized service and local decision-making.With a focus on financial wellness, we offer products tailored to every life stage, from youth savings accounts to mortgage programs supporting homeownership dreams. Our commitment to transparency ensures no hidden fees, immediate deposit crediting, and relationship-based lending that prioritizes members' best interests over profit motives.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Highlights and features
- We operate as a nonprofit cooperative owned by our members
- Our local decision-making ensures personalized financial solutions
- Competitive rates on loans and deposits with no hidden fees
- 24/7 digital banking access with mobile app convenience
- Community investment through financial education programs
Associations and certifications
- NCUA
What people say
Great staff
Friendly service
Competitive rates
No hidden fees
Quick transactions
Services
Checking Accounts
Listerhill offers multiple checking account options including Everyday Checking and Growth Checking with no minimum balance requirements. Members benefit from immediate deposit crediting, free bill pay services, and ATM fee rebates. These accounts provide financial flexibility with access to debit cards and mobile banking features for convenient money management.
Mortgage Loans
Our mortgage lending program supports home purchase and refinance needs with fixed and adjustable rate options. Competitive rates start at 3.5% APR for qualified borrowers with down payment assistance programs available. Local underwriting teams provide personalized guidance through the entire home buying process from pre-approval to closing.
Credit Cards
Listerhill offers Visa Signature, Platinum, and Secured Credit Cards with rewards programs and introductory 0% APR offers. Features include fraud protection, mobile wallet integration, and credit-building tools. Cardholders earn points redeemable for travel, merchandise, and cashback rewards while benefiting from relationship pricing discounts.
Online Banking
24/7 digital access includes account management, bill payment, check deposit, and loan applications through desktop or mobile platforms. Real-time alerts, budgeting tools, and secure messaging enhance financial control. The mobile app supports contactless payments through Apple Pay and Google Pay integration.
Financial Wellness
Comprehensive financial education resources include debt counseling, budgeting workshops, and credit score monitoring. Members access personalized financial planning tools and community programs supporting youth savings and small business development initiatives.
Questions
What are the membership requirements for Listerhill Credit Union?
Eligibility requires residence in Alabama, Georgia, Mississippi, Florida, or Tennessee. Family members of existing members may also join. Membership begins with a $5 deposit.
What loan types does Listerhill offer?
We provide auto loans, mortgage loans, personal loans, recreational vehicle loans, and business loans with relationship-based pricing available for qualified members.
How can I access my account outside business hours?
Our online and mobile banking platforms provide 24/7 access to account management, bill payment, and loan applications with real-time transaction processing.
What credit union advantages exist over traditional banks?
As a nonprofit cooperative, we return earnings to members through better rates, fee-free accounts, and community development initiatives while maintaining local decision-making control.
How does Listerhill support financial education?
We offer financial wellness programs, budgeting tools, and personalized credit counseling to help members achieve long-term financial stability and responsible borrowing habits.