Why join The Hill?

The Hill is specifically designed to help young members build the foundation to their financial futures. Anyone ages 15 to 29 is eligible to join including existing members, so what are you waiting for? Join now and start enjoying the following features:

• Share Savings account
• Checking account
• Visa Debit Card
• Internet banking
• E-statements
• Bill pay

Check out the free stuff!

All of these great features are included!

• $0 minimum balance in your checking account
• No monthly fee
• Oops Refunds/NSF forgiveness
• Free Visa Debit Card with debit rewards
• Debit rewards can be combined with The Hill credit card reward points
• Free Listerhill Credit Union ATMs
• Free unlimited use of bill pay
• 24/7 unlimited account access through Internet banking and our automated Advantage Access phone service
• Free first box of checks
• Free Balance Financial Fitness® budgeting tools and financial counseling
• Unlimited check writing 
• Earn quarterly dividends on savings accounts
• Unlimited deposits and withdrawals
• Anywhere access to Listerhill Credit Union accounts at a Credit Union Service Center location
• Insured Deposits
• Life Savings Insurance

CUSTOMIZABLE ADD-ONS

Surviving college for students and parents

• Federal student loans
• The Hill Visa credit card
• Parents can transfer to students’ accounts*

Online loan application for

• Auto loans
• Mortgage loans
• Personal loans (i.e. book loan, emergency funds, laptop, etc.)
• Credit cards

Savings plans

• Matrimoney accounts
• Investment counseling

*Must be joint signers.

 

THE HILL DEBIT CARD

You can use The Hill VISA Debit Card to make purchases or ATM withdrawals anywhere VISA is accepted, and the funds are deducted directly from your Listerhill checking account. You will never pay a fee to use your Listerhill debit card at a Listerhill ATM.

THE HILL CREDIT CARD

• Low 13.90% fixed annual percentage rate
• No annual fee
• 25-day grace period
• Worldwide acceptance 
• Free automatic payment service
• Online access for account information
• $10 fee if payment is late 30 days or more
     

*The Listerhill Credit Union The Hill VISA Credit Card is available to members of Listerhill Credit Union that are 21 years of age or older. If the applicant is under 21 years old the applicant must show proof that they have the means to repay the debt or a parent or guardian must co-sign. All co-applicants must also be a member of Listerhill Credit Union. Loan approval and credit limit will depend on the credit history and income of the applicant(s). The Hill VISA Credit Card limits will not exceed $2,500. If you need a higher limit, please apply for our VISA Classic or Platinum Rewards Card.

 

OOPS REFUNDS/NSF FORGIVENESS

All The Hill account holders receive forgiveness for up to 5 fees per year.

*Good for refund of one of the following fees: Transfer fee, NSF fee, Overdraft fee or returned check fee.  Maximum of 5 forgiven fees per calendar year by request. This benefit is only valid for The Hill Checking accounts.

 

LIFE SAVINGS INSURANCE

As an added bonus, life savings insurance is provided at no cost to The Hill account holders. To see if you qualify see the life savings certificate in your member relationship guide.

LISTERHILL ONLINE ACCESS

24 hours a day. 7 days a week. With Listerhill Online you can check your balances, view recent transactions, transfer funds within your accounts and much more.

ACCOUNT-TO-ACCOUNT TRANFERS

Transfer funds from one Listerhill Credit Union account to another Listerhill Credit Union member account with the click of a button. As a joint owner with a signed transfer agreement, you may transfer funds between your account and another Listerhill Credit Union member account through online banking or advantage access. All you need is a phone or internet access!

STUDENT LOANS

College is expensive. Listerhill can help! Listerhill Credit Union is able to provide Federal Stafford Loans to students. To apply contact your school’s financial aid office and select Listerhill Credit Union as your preferred lender.

INSURED DEPOSITS

Deposits are insured up to $500,000 by the highest level of combined federal/private share insurance available. Excess Share Insurance (ESI) provides $250,000 of coverage in addition to the $250,000 of coverage provided by the National Credit Union Administration (NCUA). IRAs are insured separately and are also protected up to $500,000.

REQUIREMENTS

• $25 minimum balance required
• Members must be between ages of 15 and 29*

*Age requirements: The Hill Accounts can be opened for member’s ages 15 to 29. If the applicant is under 19 years old (and not 18 and married or widowed), a parent or guardian must be a joint signer).