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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Legacy Credit Union Rates & Review October 2026Legacy Credit Union's top rates as of October 9, 2026 are 4.06% APY on its 24 Month CD, 0.50% APY on savings, and personal loans from 12.00% APR, according to rates verified by MonitorBankRates. Other Legacy Credit Union CD rates include 18 Month CD at 3.96%, 9 Month CD at 3.85%, and 12 Month CD at 2.02%. 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 5.27%. Rates last updated and verified on 10/09/2026. 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. Legacy Credit Union
Legacy Credit Union 3202 Indiana Ave
https://www.yourlcu.com Joplin, MO 64804-4037 Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Legacy Credit Union CD Rates
Legacy Credit Union Savings Rates
Legacy Credit Union Auto Loan Rates
Legacy Credit Union RV, Boat and Powersport Loan Rates
Legacy Credit Union Personal Loan Rates
Legacy Credit Union Other Rates
Financial Health HistoryLegacy Credit Union’s Texas Ratio fell from 8.32% in Q3 2023 to 5.27% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.27%
Return on Assets (ROA)
0.7331%
Return on Equity (ROE)
4.1961%
Non-Performing Loans Ratio (NPL)
1.60%
Total Assets
25,395,183
Total Amount of Shares and Deposits
20,759,075
Total Shares and Deposits < 1 Year
19,723,820
Total Shares and Deposits 1 3 Years
1,035,255
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
450,833
Total Uninsured Shares and Deposits > $250K (F+J)
450,833
Total Insured Shares and Deposits > $250K (item 17 less item K)
20,308,242
Total Interest Expense (Sum of items 6 8)
151,173
Share Certificates
262
Number of Accounts for Share Drafts
303
Number of Accounts for Regular Shares
3,181
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,918,959
Total Liabilities
20,958,337
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Legacy Credit UnionHow 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. Current Legacy Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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