What are the current interest rates at Legacy Credit Union?

Current rates for Legacy Credit Union include: Savings: 0.45%

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Legacy Credit Union

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Legacy Credit Union Rates & Review March 2026

Q: How many branches does Legacy Credit Union operate?

Legacy 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.

Q: Is a member application needed to join Legacy Credit Union?

Yes, to access services at Legacy 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.

Q: Is there a first-time homebuyer program?

Currently, Legacy 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Legacy 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: March 22, 2026

Legacy Credit Union's savings rates are at 0.45%. MonitorBankRates evaluates the financial stability of Legacy Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.90%. Rates were last updated on 03/22/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.90%

Excellent Lower than avg

Legacy Credit Union
Legacy Credit Union

3202 Indiana Ave
Joplin, MO 64804 4037

https://www.yourlcu.com

Legacy Credit Union Savings Rates

Product	Rate	APY	View More
Savings (Share) Account Dividends	0.45%	0.45%
Min Balance $10 Last Updated 03/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%

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 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Legacy Credit Union

Website https://www.yourlcu.com

Address 3202 Indiana Ave, Joplin, MO 64804 4037

Phone 417-659-6013

Fax 417-659-8731

President Tim Houdyshell

CEO Justin Coyne

Full-Time Employees 4

Part-Time Employees 2

Branch Locations 2

ATM Locations 0

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

2.90%

Return on Assets (ROA)

0.8719%

Return on Equity (ROE)

5.2121%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

24,930,330

Total Amount of Shares and Deposits

20,602,773

Total Shares and Deposits < 1 Year

20,581,097

Total Shares and Deposits 1 3 Years

21,676

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

20,602,773

Total Interest Expense (Sum of items 6 8)

250,276

Share Certificates

280

Number of Accounts for Share Drafts

283

Number of Accounts for Regular Shares

3,332

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,294,150

Total Liabilities

20,759,996

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Legacy Credit Union

Is Legacy Credit Union a safe place to deposit money?

Yes, Legacy Credit Union is considered a safe financial institution. With a Texas Ratio of 2.9005110861624%, 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 Credit Union operate?

Legacy 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 Credit Union?

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

Does Legacy Credit Union offer online and mobile banking?

Most modern institutions like Legacy 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.yourlcu.com.