Credit union · NCUA insured
Listerhill Credit Union
Top CarrotA $1.5B credit union, the 343rd largest of 4,329, headquartered in Muscle Shoals, AL, with 91,837 members and 18 branches in 2 states. Best rates: CDs 4.06% and savings 1.55% APY.
Listerhill Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 75% of U.S. banks and credit unions
#1 of 13 in Florence, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Listerhill Credit Union
Headquartered in Muscle Shoals, Alabama, Listerhill Credit Union was founded in 1952 by seven Reynolds Metals employees to combat predatory lending.
The member-owned nonprofit financial cooperative serves 100,000 members across two states.
- Headquarters
- 4790 2nd St, Muscle Shoals, AL 35661-1285
- NCUA charter
- 63057
Branches
18 branches in 2 states
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Alabama
16 branches
Florence area · 9
- Main OfficeMain office4790 2nd St, Muscle Shoals, AL 35661Directions
- Downtown301 W College St, Florence, AL 35630Directions
- Hough Road2995 Hough Rd, Florence, AL 35630Directions
- Petersville3701 Cloverdale Rd, Florence, AL 35633Directions
- Una1 Harrison Plz, Guillot University Center - UNA, Florence, AL 35632Directions
- Killen300 Highway 43, Killen, AL 35645Directions
- Muscle Shoals Flagship1812 Woodward Ave, Muscle Shoals, AL 35661Directions
- Rogersville17051 Highway 72, Rogersville, AL 35652Directions
- Sheffield703 S Montgomery Ave, Sheffield, AL 35660Directions
Huntsville area · 1
- Athens22223 US-72, Athens, AL 35613Directions
Cullman area · 1
- Cullman1850C Cherokee Ave SW Ste C, Cullman, AL 35055Directions
Double Springs area · 1
- Double Springs15365 Highway 278, Double Springs, AL 35553Directions
Haleyville area · 1
- Haleyville42213 Highway 195, Haleyville, AL 35565Directions
Hamilton area · 1
- Hamilton2201 Military Street St S, Hamilton, AL 35570Directions
Russellville area · 1
- Russellville13400 Highway 43, Russellville, AL 35653Directions
Winfield area · 1
- Winfield2796 US Highway 43, Winfield, AL 35594Directions
Tennessee
2 branches
- Columbia1623 Hatcher Ln, Columbia, TN 38401Directions
- Spring Hill3348 Kedron Rd, Spring Hill, TN 37174Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.06% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.62% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.76% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalNet worth ratio11.06%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.62%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$83Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Listerhill Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.