Listerhill Credit Union

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 March of 2019, it had grown to 211 employees and 91,837 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, 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. (A complete list of groups is listed on the credit union's website)
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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 - YTD0.33%
Return on Equity - YTD3.56%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$841.7MM$780.3MM
LoansQ1 2019vs Q1 2018$644.0MM$591.7MM
DepositsQ1 2019vs Q1 2018$761.1MM$702.5MM
Equity CapitalQ1 2019vs Q1 2018$75.6MM$72.8MM
Loan Loss AllowanceQ1 2019vs Q1 2018$8.0MM$6.8MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$5.7MM$4.7MM
Real Estate OwnedQ1 2019vs Q1 2018$1.5MM$1.5MM
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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%$5$1kPick 5 Share Savings Account
5.00%-$1kThe Hill Account Bundle
0.45%$1-Christmas Club
0.45%$5-Explorer Rewards Savings Account
0.45%$5-Good Start Savings
0.40%$5-Share Savings Account
0.40%--IRA Savings Account
0.40%--Roth IRA Savings
0.30%*$100k*-Business Daily Action
OTHER TIERS: 0.13% $10k - $50k | 0.23% $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

0.35%*$100k*-Interest Checking
OTHER TIERS: 0.13% Up to $10k | 0.15% $10k - $50k | 0.30% $50k - $100k
0.30%$100-Young At Heart Checking
0.30%*$100k*-Business Interest Checking
OTHER TIERS: 0.13% $10k - $50k | 0.23% $50k - $100k

Listerhill Credit Union CD Rates

2.88%$500-60 Month CD
2.88%$500-72 Month CD
2.83%$500-48 Month CD
2.78%$500-36 Month CD
2.73%$500-30 Month CD
2.68%$500-24 Month CD
2.63%$500-18 Month CD
2.52%$500-12 Month CD
2.22%$500-6 Month CD
0.35%$500-90 Day CD

Listerhill Credit Union IRA Rates

2.88%$500-60 Month IRA
2.88%$500-60 Month Coverdell Education Savings Account
2.88%$500-60 Month Roth IRA
2.78%$500-36 Month IRA
2.78%$500-36 Month Coverdell Education Savings Account
2.78%$500-36 Month Roth IRA
2.52%$500-12 Month IRA
2.52%$500-12 Month Coverdell Education Savings Account
2.52%$500-12 Month Roth IRA


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