Birmingham, AL 35242


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 24421
Date Established 1955
Assets $445.04 million
Loans $296.14 million
Deposits $378.74 million
Capital $63.79 million

Legacy Community is an NCUA insured institution located in Birmingham, AL. It was founded in 1955 and has approximately $445.04 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)

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 - September 19, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $1 $9,999 Learn MoreShow Less
Money Market
0.60% $10,000 $24,999 Learn MoreShow Less
Money Market
0.70% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
1.50% $500 - Learn MoreShow Less
Special: 13 Mo FIRA
2.50% $500 - Learn MoreShow Less
Special: 25 Mo FIRA
2.75% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.35% $500 - Learn MoreShow Less
6 Mo CD
1.00% $500 - Learn MoreShow Less
12 Mo CD
1.50% $500 - Learn MoreShow Less
Special: 13 Mo CD
2.50% $500 - Learn MoreShow Less
18 Mo CD
2.00% $500 - Learn MoreShow Less
24 Mo CD
2.00% $500 - Learn MoreShow Less
Special: 25 Mo CD
2.75% $500 - Learn MoreShow Less
30 Mo CD
2.00% $500 - Learn MoreShow Less
36 Mo CD
2.35% $500 - Learn MoreShow Less
48 Mo CD
2.50% $500 - Learn MoreShow Less
60 Mo CD
2.85% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $100 $2,499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $4,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Premier Checking 2.00% $0 $0.00 Learn MoreShow Less

Loan Rates - September 19, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.648% 3.625% 0.25 $712 $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

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


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:

Legacy Community Locations

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
3.11% 6.77

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 March 31, 2019, Legacy Community had $1,914,650 in non-current loans and $105,564 in owned assets. To cover these potential losses it had $63,791,141 in net worth and $1,125,943 in loans loss reserves. That gives it a Texas Ratio of 3.11%.

Net Worth
Legacy Community U.S. Average
14.8% 13.47%

Legacy Community FCU has a net worth of 14.8% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Legacy Community

Branches and Savings

What is Legacy Community?

A federal credit union, registered with the NCUA under certificate #24421.
Learn more about credit unions here.

Is Legacy Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Legacy Community?

Please see Field of Membership information above for information on who is eligible to join.

What are Legacy Community's share account and share certificate rates?

Legacy Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Legacy Community?

Legacy Community has total capital of $63.79 million. Full information on Legacy Community's financial position is located above.

Who owns Legacy Community?

Credit Unions are owned by their members.

Where are Legacy Community branches located?

See branch locations nearby.

Are Legacy Community ATMs Open 24/7?

Do Legacy Community ATMs accept cash deposits?

Can Legacy Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Legacy Community have a mobile app?

Does Legacy Community have mobile deposit?

Does Legacy Community have quick pay?

How can Legacy Community transfer money to other banks or credit unions?

Does Legacy Community report to credit bureaus?

Does Legacy Community use Chexsystems?

Does Legacy Community use Equifax?

What is Legacy Community's toll free phone number?

What is Legacy Community's ACH Routing Number?

What is Legacy Community's SWIFT code?

Where can I find Legacy Community's wire transfer form?

What is the Legacy Community address for deposits?

What Products Does Legacy Community Offer

Does Legacy Community offer mortgages?

Compare mortgage rates here.

Does Legacy Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Legacy Community offer auto and RV loans?

Compare auto loan rates here.

Does Legacy Community offer student loans or personal loans?

Compare personal loan rates here.

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