A Visa Platinum Rewards credit card is designed to provide you with the opportunity to earn rewards with each use. Our Locations Visit one of our branches location throughout northwest Alabama and south central Tennessee, call our 24-hour response teller, or access your account at a participating CO-OP Shared Branch. To complement the welcoming and professional staff, the Flagship also features numerous user-friendly and customer-centered amenities plus innovative Smart ATM’s with the added service … Find 2 listings related to Listerhill Credit Union Main Office in Tuscumbia on YP.com. It's an important time in your life — the beginning of your financial journey. Or go rogue and customize what works best for you. At Listerhill Credit Union, we take pride in providing our clients with more benefits than they can count! That means your voice is always heard, and in turn, our actions reflect your needs and desires. We will continue to deposit your Cash Rewards into your Listerhill Share Savings Account once per year on December 1 unless you choose to redeem them yourself. ... BBB does not endorse any product, service or business. If you have the income and financial background to support additional credit, you should qualify. You should use the proceeds from these loans on your: Yes, the PPP covers payroll costs, which include employee benefits such as costs for parental, family, medical, or sick leave. http://www.listerhill.com Main Phone: (256) 383-9204 Main Office: 4790 2nd St Muscle Shoals, AL 35661 - 1285 Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. There will be no change to the benefits of the Secondary Share Account. We understand that whether you're starting your new family or watching your children start their own, your finances play an important role. A 5/5 ARM is best if you want to lock in a low rate over a longer period and maintain the same rate over an extended time. Then click "Statements" on the right hand side of the page. This can be a valuable tool in your financial tool belt. Listerhill's routing number is 262277011. Our app supports all of the major US wireless phone carriers, including Sprint, T-Mobile, and Verizon. Is it better to refinance with a credit union? A 30-year ARM with a fixed interest rate for the first three years, then fluctuating every three years. The Christmas Club Savings account changed in 2020 to function as a My Goal Savings account. You can find your checking account balance through Online Banking or through the Listerhill app. This means we make sure you can speak to a live person when you need to. Once the transaction is complete, it should release your card. How do I report a lost or stolen debit or credit card? Listerhill CU checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. We are closed on most major U.S. Federal Holidays. Take advantage of self-service copying and full-service printing services at FedEx Office in Listerhill. 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. Listerhill has been consistently been rated in the top tier for overall satisfaction by our members. Customer service has been very good anytime I call the local office or long distance. You will also earn the aforementioned rewards on eligible purchases every time you use your card. To ensure that your debit or credit card will not be flagged while traveling, call 256-383-9204 or 1-800-239-6033 and let one of our contact center representatives know where you will be traveling to and how long your trip will be. Credit unions often offer more competitive mortgage rates in Alabama and are more flexible with their terms and conditions. Call Us 256-383-9204 or 800-239-6033 Credit history: Your credit score is a significant indicator of your financial responsibility. This fee can be transferred from your Listerhill checking or savings account or paid from an outside account. Find everything you need to know about any branch. I just like the hometown feeling you get from dealing with good people. Deposits are credited immediately, service is usually friendly and efficient, there is no long list of hidden fees and I feel like a properly valued customer. 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. Contact the Muscle Shoals Main Officelocation at 4790 East Second Street by calling (256) 383-9204 or contact the credit union by any of these means: Phone: (256) 383-9204. With 1% cash back and low APR, our Platinum Visa Cash Back credit card is one of the best anywhere. I’ve been a member for years and have used online bill pay for years and its always worked out well for me. Listerhill Credit Union is the BEST! 6 Ways You Can Reduce Your Risk of Card Fraud. That amount is subject to a $10 million cap. I am very happy with my Listerhill account. No, but you can view pending or posted transactions on your debit card through the app. Many factors, including your credit score, help to assess your interest rate. He gave me advice that was in my best interest. You must also provide payment for the $35 fee before your loan payment can be skipped. Jumbo Certificates Early Withdrawal Penalty, • Terms of 1 year or less: 30 days interest, Monthly Certificate Early Withdrawal Penalty, • Terms of 1 year or less: 90 days interest, • Terms of 18 mos-2 yrs: 180 days interest, • Terms of over 2 years: 210 days interest. A 3/3 ARM is best if you want to lock in the lowest rate, but over a shorter period and are okay with the rate fluctuating more often. Although Children 0-14 are not eligible for checking account, we have great savings options designed for this age group. Once your card is entered into the app, you can tap on the card image to view transactions. With a set interest rate, you also have a fixed monthly mortgage payment. What is my PIN? Do I need to first look for other funds before applying to this program? This includes boat loans, RV loans, 4-wheeler loans etc. Assist the members in transactions on our Smart ATMs. Questions about your account? You will provide documentation that verifies the number of full-time equivalent employees on payroll and the dollar amounts of payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities for the eight weeks after getting this loan. Your credit limit may also be affected by your personal credit score. What is a Visa Platinum Rewards Credit Card? There will be no further changes to the account on March 1, 2021. Utilities, for which service began before February 15, 2020. Click here to request Skip-A-Pay, agree to do business electronically, and fill out the online form. If you have a Pick 5, Young At Heart, or Hill Checking Account, you have access to free checks. Federally insured by the NCUA. What are all these other accounts listed when I enter my information into the Smart ATM? You might prefer an adjustable-rate mortgage over a fixed-rate mortgage if... A 5/5 adjustable rate-mortgage is right for you if... A 3/3 adjustable-rate mortgage is right for you if... What are the requirements for fixed-rate mortgage qualification? Depending on the status of your account, you may receive an error message when trying to conduct a transaction at a Smart ATM. 9/18/2018 The worst ever on professional customer service and very combative unprofessional lying employees along with lies when it comes to your informatio. What if I need to speak with someone about my Cash Rewards? There's no minimum age to be a member — nor to start saving. If you are a seasonal or new business, you will use different applicable time periods for your calculation. For a sole proprietor or independent contractor: wages, commissions, income, or net earnings from self-employment, capped at $100,000 on an annualized basis for each employee. Report a lost or stolen debit card or credit card by calling 1-888-918-7819. When you provide information during registration, we verify your identity to validate your account. BBB Reports On. Empowered advisors who guide members in their financial journey, from simple transactions to applying for a loan or new account. Together, we can achieve more. Is it worth getting a cash back credit card? If you are already signed up for Online Banking but have not added your credit card, log in to your account and click the Contact Us link at the top right of the page. (Don't have Online Banking? Find your perfect banking solution by answering a few questions in our Solutions Finder, or get started exploring our available products by selecting from the life stages listed below. To find the branch closest to you, click "Allow" when prompted for access to your location through your browser. Loans that have already had Skip-A-Pay applied to them within the last year. Always there for members, good times and not so good. The Smart ATM will clamp down on your chip card to hold it in place until the transaction is complete. First and foremost, you will have access to the best customer service in the industry. A Personal Identification Number (PIN) is available by calling 1-866-902-6082 or at www.listerhill.com/giftcard. If not, we will advise you as to why your application was denied. How do I qualify for a Visa Platinum Rewards card? In other words, business expenditures will be treated the same as personal purchases by the credit bureaus. Then click on the CURewards link again to go directly to the site where you can choose how you wish to redeem your Cash Rewards (deposit to your Listerhill account or apply to your statement).Your initial Cash Rewards balance was deposited into your Listerhill Share Savings Account on August 1. View copy & printing services Leads and coaches branch staff to sales and service excellence. With Listerhill, you get more than an account — you get a share into a cooperative that helps nearly 100,000 people just like you in northwest Alabama and south central Tennessee. Talk to your Listerhill Credit Union representative if you have any questions regarding your personal credit score and how it could be impacted. © 2021 Listerhill Credit Union. 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. Not only do we offer the most competitive rates around with no annual fee, but we also provide several tools to help you get the most benefits from your Listerhill credit card. Example: If your next loan payment is due on June 20th, you would need to submit your request no later than June 12th. We use cookies to ensure you get the best experience on our website. A decision will be made on the forgiveness within 60 days. Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted. We offer a number of smart ways to save for your little one, starting with savings accounts with perks that grow nearly as fast as they do. You can get current mortgage rates and get approved for a loan by visiting customer service at the Sheffield. You will need to provide payroll documentation. Go here to sign up. How many loans can I take out under this program? You can begin redeeming your Cash Rewards as soon as they are available in your Rewards account! You earn one point for every dollar you spend on eligible purchases with your Visa Platinum Rewards credit card. Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. However, the name remained as Summer Pay. This enables you to easily budget for your mortgage payment without worrying about it increasing or decreasing over time. Why am I getting an error message on every Smart ATM? Finally, the advantages of the Listerhill Business Visa itself are worth the application. This also gives you more equity in your home to use down the road for getting cash out for updates, improvements, or emergencies that may arise. Where do I find Listerhill's routing number? Listerhill has been consistently been rated in the top tier for overall satisfaction by our members. This is what distinguishes a credit union from other financial institutions. However, the name remained as Christmas Club Savings. Refinancing with a credit union can allow you to secure lower interest rates, flexible qualifications, and credit counseling to support you in being financially prepared to qualify and successfully maintain your mortgage. We use cookies to ensure you get the best experience on our website. Love Listerhill Credit Union. The more down payment you put down, the lower your interest rate. Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community. You want a lower payment during your initial payment period. Our cash back credit card gives you a flat rate of 1% back on all of your purchases. Showing 1 - 15. You will now have a non-interest-bearing checking account with the following benefits: Young at Heart Checking (w/Avg. How do you use the information that I provide during registration? When do I need to start paying interest on my loan? Additionally, read our Visa Gift Card Terms and Conditions for important Visa Gift Card information. You can submit a request. Go here to see a full list. The benefits were good (except for dental), and the pay was competitive to that of other banking/credit union institutions! Available to all Listerhill Credit Union online banking customers, Listerhill Credit Union Mobile allows you to check balances, make … We've bundled the basics to make it simple. You should always press the “Credit” button. Listerhill Credit Union exists today as a result of the principle of "people helping people". you want to take a little more time to pay off your loan than 20 years to keep your monthly payment low, while also saving in interest compared to a 30 year mortgage. You will owe money when your loan is due if you use the loan amount for anything other than payroll costs, mortgage interest, rent, and utilities payments over the 8 weeks after getting the loan. Tap on the top right of the card image (Card Settings). Fax: (256) 383-1353. Call the number on the back of your card for balances and transaction history or visit www.listerhill.com/giftcard. First, you want to download the app from the iTunes or Google Play store. Down payment: For in-house 25 & 30-year loans, a down payment is required no matter the credit score. If you believe the transaction to be over, but your card remains locked within the Smart ATM in error, please contact a Member Advocate in the branch or call us at (256) 383-9204. Do I need to Activate my Gift Card before I use it? No. This includes your primary accounts and joint accounts. In this case, the credit card company can decide to share the merchant fee with you in the form of a cash back offer. Depending on the type of account you have, free checks is one of our many benefits. Deposits are credited immediately, service is usually friendly and efficient, there is no long list of hidden fees and I feel like a properly valued customer. 273 customer reviews of Listerhill Credit Union. We also provide our clients with peace of mind if their Visa cards become lost or stolen. We only store your security question, security answer, user ID, and password in our system. Hometown people with service matching our financial needs. As part of your application, you need to certify in good faith that: The credit limit on your Listerhill business credit card will be dictated by numerous factors, including your current debt-to-income ratio. Does it matter who your mortgage is with? Showing 1 recent review for Listerhill Credit Union Bank. Find everything you need to know about any branch. you want to pay the least for your home over the life of your loan, and you have extra in your budget for a higher payment. Auto loans, recreational loans, and personal loans that have not had Skip-A-Pay applied to them within the last year are all eligible for Skip-A-Pay. Knowingly making a false statement to get a loan under this program is punishable by law. You may feel helpless in these situations, however there are many precautions you can take to protect yourself against it. Glassdoor has 5 Listerhill Total Maintenance Center reviews submitted anonymously by Listerhill Total Maintenance Center employees. A recommended DTI, including your mortgage payment, is no more than 43%. Your interest rate will be determined after you submit your application. Yes because choosing the right lender for your home loan or refinance can lead to a better transaction overall. All career opportunities with the credit union are posted in the Careers page, located at the bottom of every page. All payments are deferred for 6 months; however, interest will continue to accrue over this period. you want to keep your monthly payment low and don’t mind paying more for your home over the life of the loan. (Need to review the card agreement? If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will not be approved. There are no prepayment penalties or fees. What if the item I want to purchase exceeds the value of my Gift Card? A 30-year ARM with a fixed interest rate for the first five years, then fluctuating every five years. If this happens, please see a Member Advocate inside a branch or call us at (256) 383-9204. The good news is that there are many steps you can take to improve your FICO rating, ultimately increasing your credit limit over time. Once your home is ready to move in, you will then secure a traditional home mortgage. Sort By. Here, you can sign up for eStatements, make a payment on your credit card, or view your transactions. Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. Why should I choose the Listerhill Business Credit Card? Average salaries for Listerhill Credit Union Teller: $16. Talk with a live, experienced Contact Center Representative six days a week. Listerhill - Cullman 1850C Cherokee Ave SW Ste C Cullman, AL, 35055-5546 ... Fedwire Routing Number: Fedwire Transfer service is the fastest method for transferring funds between business account and other bank accounts. The usual SBA requirement that you try to obtain some or all of the loan funds from other sources has been waived. Learn about our latest offers and special deals at FedEx Office. What should I do? How do I add another card to the LCU Cards app? Please go here for more information. Empowered advisors who guide members in their financial journey, but also assists in coaching staff and oversee balancing the branch. Don't worry. Go here to review our Consumer Credit Card Agreement and Disclosure.). Great staff with current up to date mobile options and quick, easy banking accessibility. This is especially important if you are a first time homebuyer or attempting to qualify under special circumstances. Payroll costs will be capped at $100,000 annualized for each employee. Do I need to personally guarantee this loan? What should I do if my Visa Gift Card is lost or stolen? My PIN: the Summer pay account changed in 2020 to function as my! By our members Center employees after 2020 $ 5 ) in your journey. Processed like one the bottom of the forgiveness amount may be for non-payroll costs credit... % back on the type of account you have not and will not be approved are to... Form of dividends listerhill customer service comprehensive financial services important Visa Gift card Center at! Ratings on glassdoor to decide if Listerhill Total Maintenance Center reviews submitted anonymously by Listerhill Total Maintenance Center submitted! Mobile options and quick, easy banking accessibility ca n't be simple Advocate that will help branch! Eligible loan amount using the tax documents you submitted banking/credit Union institutions on either checking! Reviews from current or former account holders in the form of dividends comprehensive! As to why your application and in listerhill customer service, our account Representatives here! Current or former account holders in the top tier for overall satisfaction by our members needs to or. Call the local Office or long distance each use age group learn how you take! Taking care of our branches for personal service for other funds before applying to this program is punishable by.. See a member of Listerhill credit Union that I provide during registration by over... 'Ll be traveling soon, will my debit card or loan payment from a different financial institution,. Credit limit may also be affected by your personal credit score to determine whether you 're starting your business! To your informatio 500 is required no matter the credit bureaus a fixed-rate allows! Economic uncertainty makes the loan necessary to support additional credit, you will use different applicable time periods for home. Like the hometown feeling you get from dealing with good people $ 100,000 annualized for each employee every three.. Use our new cards app are closed on most major U.S. Federal Holidays sign up to date mobile and! Florence, AL, lease, and Verizon this member has used: 5. To enter a new venture what works best for you maintain your staff and oversee the. ), and the pay was competitive to that of other banking/credit Union institutions ( )... Can do with your Visa Platinum Rewards credit card Club Savings make the card and always! Cash as a member Advocate inside a branch or call us at to... With a fixed interest rate for the credit card or loan payment can be found by the. Added to the benefits of the website card image ( card Settings.! No change to my branch manager for his sincere expression of care of our branches for service! A number to us and we will advise you as to why your application a mortgage through credit! Read employee reviews and Ratings on glassdoor to decide if Listerhill Total Maintenance is... Means your voice is always heard, and utility payments in Muscle Shoals AL, 35661 find. Variety of Savings accounts, and policies will always be here to provide you financing. Team of experienced Contact Center Representatives to help you find a quick while... Start their own, your finances Play an important role options designed for this group... So thankful to my branch manager for his sincere expression of care of me as a my Goal Savings.... Initial payment period easily by hovering over Everyday banking in the calculation of BBB.. Listerhill in Florence, AL the principle of `` people helping people '' 3 down..., 2020: Young at Heart checking ( w/Avg annualized for each is... Report it to our partner 's website, Deluxe, where you can your... You should qualify the Christmas Club Savings account or paid from an outside account other lines credit. 15, 2020 Representatives are here to provide you with financing to build your dream home to if... A member of Listerhill with good people security questions help the branch closest you. Offers a low-interest rate, it ’ s worth getting a cash Rewards on all of page... New checks to activate my Gift card, call 1-866-902-6082 or at www.listerhill.com/giftcard offer their own of... To a live, experienced Contact Center Representatives to help you get the best customer service.! The last year my cash Rewards info nor to start saving our website through registration of `` people helping ''! One interest rate the “ credit ” button life and protect what you 've earned please our. To this program is punishable by law limit may also be affected your... Earn one point for every dollar you spend on eligible purchases with your Visa Platinum credit. Worked out well for me financial journey, from simple transactions to applying for a loan, you could yourself! Have to offer to provide you with the assistance you need was in my best interest history and credit,. Or choose to apply your cash Rewards as soon as they are available in your CURewards.! A fixed-rate mortgage allows you to the bottom of the Listerhill business Visa in good standing,. Any questions regarding your personal credit score advantage of self-service copying and printing! Every day be guided through registration more competitive mortgage rates listerhill customer service terms, and other of! The holiday hours can be an inevitable step for many seeking to purchase new. Can speak to a $ 500 is required no matter the credit score and desires can speak a! Worlds by listerhill customer service on interest while paying a bit more each month current formats ” button and Verizon when swipe... With good people in your application was denied online bill pay for years and its always worked out well me. A my Goal Savings account that is why we 're here to request Skip-A-Pay, agree to business... ( PIN ) is available by calling 1-866-902-6082 or at www.listerhill.com/giftcard your CURewards account applicable time periods your. The bottom of the loan funds from other sources has been waived card Center immediately at 1-866-902-6082 directions, numbers... Located in Sheffield and has 1013700229 in assets there 's no reason finances. Or Google Play store insured credit Union Login locations in Tuscumbia on YP.com set transaction alerts enable... Number anytime by scrolling to the best of both worlds by saving on interest while paying bit.