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Legacy Community Federal Credit Union

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Legacy Community Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Legacy Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 18, 2026

You can compare Legacy Community Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.37%, 6-month share certificate rates at 1.41% and 3-month share certificate rates at 0.50%. Savings rates are at 0.10% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Legacy Community Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Legacy Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.54%. Rates were last updated on 04/18/2026.

Legacy Community Federal 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 Legacy Community Federal Credit Union? Share your experience about Legacy Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Legacy Community Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.54%

Excellent Lower than avg

Legacy Community Federal Credit Union
CORPORATE

100 Corporate Rdg Ste 200
BIRMINGHAM, AL 35242 2994

https://www.legacycreditunion.com

Legacy Community Federal Credit Union Checking Rates

Product	Rate	APY	View More
Engage Checking	-	2.00%
Details Qualifications Required: Log in to Digital Banking at least once per month; receive at least $500 in payroll or direct deposits each month; make at least 20 debit card transactions each month; Qualifying balance up to $15,000.00 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Legacy Community Federal 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 Legacy Community Federal 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 Legacy Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Legacy Community Federal Credit Union

Website https://www.legacycreditunion.com

Address 100 Corporate Rdg Ste 200, BIRMINGHAM, AL 35242 2994

Phone 205-933-9933

Fax 205-930-5019

President Michael Patterson

CEO S Glenn Bryan

Full-Time Employees 128

Part-Time Employees 8

Branch Locations 11

ATM Locations 11

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.54%

Return on Assets (ROA)

0.7201%

Return on Equity (ROE)

5.6647%

Non-Performing Loans Ratio (NPL)

0.32%

Total Assets

725,662,471

Total Amount of Shares and Deposits

629,734,242

Total Shares and Deposits < 1 Year

611,929,997

Total Shares and Deposits 1 3 Years

15,497,864

Total Shares and Deposits > 3 Years

2,306,379

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

38,067,179

Total Uninsured Shares and Deposits > $250K (F+J)

38,067,179

Total Insured Shares and Deposits > $250K (item 17 less item K)

591,667,063

Total Interest Expense (Sum of items 6 8)

7,231,616

Share Certificates

4,214

Number of Accounts for Share Drafts

25,622

IRA KEOGH Accounts

1,475

Number of Accounts for Regular Shares

45,600

Money Market Shares

505

Net Income (unless the amount is already included in Undivided Earnings)

1,520,576

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

61,566,965

Total Liabilities

641,825,370

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Legacy Community Federal Credit Union yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About Legacy Community Federal Credit Union

Is Legacy Community Federal Credit Union a safe place to deposit money?

Yes, Legacy Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.5366983639099%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Legacy Community Federal Credit Union operate?

Legacy Community Federal 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 Legacy Community Federal Credit Union?

Yes, to access services at Legacy Community Federal 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, Legacy Community Federal 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, Legacy Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Legacy Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Legacy Community Federal 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.legacycreditunion.com.