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 Listerhill Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Listerhill Credit Union's 12 Month Jumbo CD rates are at 3.80%, 12 Month IRA CD rates are at 3.70%, 12 Month Roth IRA CD rates are at 3.70%, 12 Month Standard CD rates are at 3.70%, 60 Month Jumbo CD rates are at 3.65%. Listerhill Credit Union's savings rates are at 0.20%. Listerhill Credit Union's money market rates are at 1.35%. Listerhill Credit Union's 3/3 Adjustable Rate Mortgage rates are at 5.74%, Short Term Fixed (1st Mortgage) rates are at 5.75%, 5/5 Adjustable Rate Mortgage rates are at 6.00%, Farm Equipment rates are at 6.99%, 5/5 Adjustable Rate Mortgage - 100% of Purchase Price rates are at 7.25%. Listerhill Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.24%. Listerhill Credit Union's Credit Card Rates are at 12.99%. MonitorBankRates evaluates the financial stability of Listerhill Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.38%. Rates last updated and verified on 09/22/2026. Listerhill Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Listerhill Credit Union? Share your experience about Listerhill Credit Union by leaving a review below, or read customer reviews before you decide to use Listerhill Credit Union. Listerhill Credit Union
Main Office 4790 2nd St
https://www.listerhill.com Muscle Shoals, AL 35661-1285 
Listerhill Credit Union CD Rates
Listerhill Credit Union Savings Rates
Listerhill Credit Union Money Market Rates
Listerhill Credit Union Checking Rates
Listerhill Credit Union Mortgage Rates
Listerhill Credit Union Home Equity & HELOC
Listerhill Credit Union Auto Loan Rates
Listerhill Credit Union RV, Boat and Powersport Loan Rates
Listerhill Credit Union Credit Card Rates
Listerhill Credit Union Personal Loan Rates
Listerhill Credit Union Other Rates
Financial Health HistoryListerhill Credit Union’s Texas Ratio rose from 2.41% in Q2 2023 to 4.38% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Listerhill Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Listerhill Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Listerhill Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Listerhill Credit Union
Website
https://www.listerhill.com
Address
4790 2nd St,
Muscle Shoals, AL 35661-1285
Phone
256-383-9204
Fax
256-314-6502
President
Mark Linder
CEO
Brad Green
Full-Time Employees
286
Part-Time Employees
24
Branch Locations
18
ATM Locations
18
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.38%
Return on Assets (ROA)
0.1071%
Return on Equity (ROE)
0.9780%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
1,457,796,387
Total Amount of Shares and Deposits
1,301,974,324
Total Shares and Deposits < 1 Year
1,226,055,134
Total Shares and Deposits 1 3 Years
53,667,871
Total Shares and Deposits > 3 Years
22,251,319
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
96,790,419
Total Uninsured Shares and Deposits > $250K (F+J)
96,790,419
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,205,183,905
Total Interest Expense (Sum of items 6 8)
6,857,457
Share Certificates
8,200
Number of Accounts for Share Drafts
55,269
IRA KEOGH Accounts
4,631
Number of Accounts for Regular Shares
99,298
Money Market Shares
2,128
Net Income (unless the amount is already included in Undivided Earnings)
1,561,299
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
191,844,333
Total Liabilities
1,347,320,944
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Listerhill Credit UnionHow many branches does Listerhill Credit Union operate?Listerhill Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Listerhill Credit Union?Yes, to access services at Listerhill Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Listerhill Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Listerhill Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Listerhill Credit Union offer online and mobile banking?Most modern institutions like Listerhill Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.listerhill.com. Current Listerhill Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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