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Overview / Commentary
4790 2nd St
Muscle Shoals, AL 35661-1285

Listerhill Credit Union is headquartered in Muscle Shoals and is the 7th largest credit union in the state of Alabama. It is also the 378th largest credit union in the nation. It was established in 1952 and as of September of 2017, it had grown to 207 employees and 90,491 members at 17 locations. Listerhill Credit Union's savings rates are 10X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Listerhill Credit Union is open to those who live, attend school or work in Lauderdale, Colbert, Limestone, Franklin, Lawrence, Morgan, Marion, Winston, Cullman, Lamar, Fayette, Winston, Cullman, or Walker Counties in Alabama or in Maury County in Tennessee. Membership is also open to employees of 3M Company, Jimmy Dean Foods, and over 100 area Select Employer Groups.
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Reviews (1)

I LOVE Listerhill Credit Union!

I have been a member of Listerhill Credit Union since I was 17. When I got my first job, I opened up a checking account at Listerhill to deposit my pay checks. It took me a little while to get a handle on the finance and banking world. I made a few mistakes in the first year and overdrew my account a couple of times by mistake. I was charged a fee for that, but it was my own fault. I then opened up a saving's account with Listerhill because their Saving's account rates are better than any other financial institution where I live. I try to keep a decent balance in that saving's account and it is always awesome when I see that I get a couple of extra bucks at the end of the quarter because of the high interest rate!


Health Grade Components

NCUA #63057
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD7.28%
Annual Interest Income$24.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$753.4MM$718.3MM
LoansQ3 2017vs Q3 2016$591.6MM$552.4MM
DepositsQ3 2017vs Q3 2016$673.3MM$641.9MM
Equity CapitalQ3 2017vs Q3 2016$74.5MM$71.1MM
Loan Loss AllowanceQ3 2017vs Q3 2016$5.5MM$5.1MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$5.4MM$3.7MM
Real Estate OwnedQ3 2017vs Q3 2016$1.3MM$368.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Listerhill Credit Union Savings Account Rates

5.00%-$1kPick 5 Share Savings Account
0.45%--Share Savings Account
0.45%--Christmas Club
0.45%--IRA Daily Account
0.45%--Explorer Rewards
0.45%--Good Start Account
0.30%$2,500-Daily Action Account
0.25%*$100k*-Business Daily Action
OTHER TIERS: 0.08% $10k - $50k | 0.18% $50k - $100k

Listerhill Credit Union Money Market Rates

0.25%*$100k*-Business Money Market
OTHER TIERS: 0.08% $10k - $50k | 0.18% $50k - $100k

Listerhill Credit Union Checking Account Rates

0.30%*$100k*-Interest Checking
OTHER TIERS: 0.08% Up to $10k | 0.11% $10k - $50k | 0.25% $50k - $100k
0.26%$100-Young At Heart Checking
0.25%*$100k*-Business Interest Checking
OTHER TIERS: 0.08% $10k - $50k | 0.18% $50k - $100k

Listerhill Credit Union CD Rates

2.02%$500-60 Month CD
2.02%$500-72 Month CD
1.61%$500-48 Month CD
1.51%$500-36 Month CD
1.31%$500-30 Month CD
1.21%$500-24 Month CD
1.10%$500-18 Month CD
1.00%$500-12 Month CD
0.55%$500-6 Month CD
0.40%$500-90 Day CD

Listerhill Credit Union IRA Rates

2.02%$500-72 Month IRA
2.02%$500-60 Month IRA
2.02%$500-60 Month Coverdell Education Savings Account
2.02%$500-60 Month Roth IRA
1.61%$500-48 Month IRA
1.51%$500-36 Month IRA
1.51%$500-36 Month Coverdell Education Savings Account
1.51%$500-36 Month Roth IRA
1.31%$500-30 Month IRA
1.21%$500-24 Month IRA
1.10%$500-18 Month IRA
1.00%$500-12 Month IRA
1.00%$500-12 Month Coverdell Education Savings Account
1.00%$500-12 Month Roth IRA
0.55%$500-6 Month IRA
0.40%$500-90 Day IRA