Legacy Community Federal Credit Union

Headquarters

100 Corporate Rdg Ste 200
Birmingham, AL 35242
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.02% →
1-Year CD 0.50% 1.45% →
2-Year CD 0.60% 2.31% →
5-Year CD 1.15% 3.00% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Legacy Community is an NCUA insured institution located in Birmingham, AL. It was founded in 1955 and has approximately $603.79 millions in assets.

Who can join?

Anyone who lives, works, worships, or attends school in the 7 - County Birmingham - Hoover Metro area can join. That includes Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, and Bibb Counties in Central Alabama.

Family members of union members are also eligible to join.
Family members include spouse, children, parents, siblings (brother/sister), grandparents and in-laws (mother, father, sister, brother, son, daughter - in law)

NCUA Insured Yes / Federally Chartered
Charter Number # # 24421
Date Established 1955
Assets $603.79 million
Loans $326.54 million
Deposits $536.05 million
Capital $70.29 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, and Bibb Counties in Central Alabama.

Deposit Rates - May 17, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
30 Mo CD
0.75% $10,000 $14,999 Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.15% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
Premier Checking 1.00% $0 $0.00 Learn MoreShow Less

Loan Rates - May 17, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for LEGACY COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
6.013% 5.875% 1.00 $3,750 $1,479 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to LEGACY COMMUNITY
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Legacy Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Legacy Community Locations



Climate Initiatives

LEGACY COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Legacy Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Legacy Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Legacy Community U.S. Average
2.39% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Legacy Community had $1,445,422 in non-current loans and $248,201 in owned assets. To cover these potential losses it had $70,286,691 in net worth and $651,870 in loans loss reserves. That gives it a Texas Ratio of 2.39%.

Net Worth
Legacy Community U.S. Average
11.79% 12.36%

Legacy Community FCU has a net worth of 11.79% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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