On this page
This chapter describes the deposit accounts Listerhill Credit Union lists on its own website. These are Listerhill's products; Plain Ledger does not offer accounts of any kind. The chapter also explains what to compare between accounts, and deliberately doesn't quote rates: they change often, and an out-of-date number is worse than none. Rates and terms can change, so check Listerhill Credit Union's official rates page for current information.
Checking accounts
Everyday Checking
The credit union's straightforward checking account for day-to-day spending, bill payments and direct deposit. If you mainly want somewhere to receive your paycheck and pay with a debit card, this is likely the relevant account to read about on Listerhill's website.
Growth Checking
An interest-earning checking account. Listerhill presents it as a way to earn on money you keep in checking. Two things are worth knowing before choosing it:
- According to the credit union's FAQ, Growth Checking requires a $1,000 minimum balance to avoid a monthly low-balance fee.
- The rate tiers the credit union has advertised are tied to balance levels, and the highest advertised tier has required a large balance. Check which tier your typical balance would actually fall into.
Debit cards
Listerhill lists two debit card options: the standard Listerhill Debit card and a Keystone Debit card. The credit union has also highlighted the ability to add its cards to mobile wallets.
About checking promotions
Listerhill has advertised new-account promotions, such as a cash bonus for opening a qualifying checking account. Offers like these usually require a debit card, a minimum amount of card use and qualifying direct deposits within a set period, and existing checking customers are often excluded. Read the full terms, and keep in mind that account bonuses are generally reported to the IRS as taxable interest income. Promotions may change. Confirm current availability, eligibility and terms directly with Listerhill.
Savings
- Share Savings. The basic savings account that holds your $5 membership share.
- Money Market. A savings account that typically pays more in exchange for a higher balance. Rates usually rise with the balance tier.
- My Goal Savings. A savings account aimed at putting money aside for a specific goal.
- Certificates. Fixed-term deposits, similar to bank CDs. You agree to leave the money in for a set term in return for a fixed rate.
- IRA Certificates. Certificates held inside an Individual Retirement Account, which comes with tax rules and contribution limits.
Listerhill also lists investment and retirement planning services with financial advisors. Investment products are generally not deposits and aren't covered by NCUA share insurance, so ask how any product you're offered is held and insured.
Accounts for kids
- Good Start Savings, for children aged 0 to 4.
- Explorer Rewards Savings, for ages 5 to 14.
These are savings accounts. The credit union states that children under 15 can't have a checking account and minors can't hold credit products.
Business accounts
For business owners, Listerhill lists Business Basic Checking, Business High-Yield Checking and Business Share Savings, along with a Visa Business credit card and business loans. As with the personal interest-earning account, the business high-yield option has advertised rates tied to substantial minimum balances.
How to compare deposit accounts
Whatever you choose, these questions will tell you more than a headline rate:
| Account type | Questions to ask |
|---|---|
| Checking | Is there a monthly fee, and how do you avoid it? What are the overdraft and non-sufficient funds policies? Are there ATM fees outside the network? |
| Interest checking | What balance do you need to earn the advertised APY? What rate applies below that? What minimum avoids fees? |
| Savings and money market | What are the balance tiers? Are there limits on withdrawals or transfers? Is the rate variable? |
| Certificates | What is the early withdrawal penalty? What happens at maturity: does it renew automatically, and at what rate? Is there a grace period? |
| Any account | Is the APY quoted with its effective date? Does a promotion have conditions or an expiry? |
A quick word on APY
APY (annual percentage yield) includes the effect of compounding, so it's the fairest figure for comparing savings products. As an example, $5,000 left for one year in an account with a 3.00% APY would earn about $150, assuming the rate stays the same and you make no withdrawals. If the rate is variable, your actual earnings will follow the rate up or down.
Example is illustrative only and doesn't represent any rate offered by Listerhill Credit Union.
Sources and context
- Listerhill Credit Union, everyday banking pages and FAQ, reviewed September 10, 2026.
- Worked APY figure on this page is a hypothetical illustration, not a Listerhill rate.