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Overview / Commentary
431 Beatties Ford Road
Charlotte, NC 28216

First Legacy Community Credit Union is headquartered in Charlotte and is the 48th largest credit union in the state of North Carolina. It is also the 2,943rd largest credit union in the nation. It was established in 1941 and as of September of 2017, it had grown to 13 employees and 8,676 members at 4 locations. First Legacy Community Credit Union's savings rates are 44% higher than the national average, but it has a C- health rating.

Field of Membership Restrictions

First Legacy Community Credit Union of North Carolina is open to the residents, church members, registered students and the people that maintain employment within these eligible counties: Mecklenburg, Rowan, Iredell, Cabarrus, Catawba, Alexander, Davie, Gaston, Cleveland, and Lincoln.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First Legacy Community Credit Union has a low asset base, and a negative return on assets.

Health Grade Components

NCUA #68593
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD-2.86%
Return on Equity - YTD-17.31%
Annual Interest Income$974.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$29.3MM$33.0MM
LoansQ3 2017vs Q3 2016$17.7MM$20.7MM
DepositsQ3 2017vs Q3 2016$24.2MM$26.9MM
Equity CapitalQ3 2017vs Q3 2016$5.0MM$5.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$729.00K$1.4MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.9MM$2.4MM
Real Estate OwnedQ3 2017vs Q3 2016$284.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Legacy Community Credit Union Savings Account Rates

0.75%*$50k*-Dividend Share
OTHER TIERS: 0.40% $100 - $2,500 | 0.55% $2,500 - $25k | 0.65% $25k - $50k
0.75%*$50k*-Christmas Club
OTHER TIERS: 0.40% $100 - $2,500 | 0.55% $2,500 - $25k | 0.65% $25k - $50k

First Legacy Community Credit Union CD Rates

1.40%*$100k*-60 Month CD
OTHER TIERS: 1.10% $1k - $10k | 1.15% $10k - $100k
1.25%*$100k*-48 Month CD
OTHER TIERS: 1.05% $1k - $10k | 1.10% $10k - $100k
1.15%*$100k*-36 Month CD
OTHER TIERS: 1.00% $1k - $10k | 1.05% $10k - $100k
1.10%*$100k*-24 Month CD
OTHER TIERS: 0.95% $1k - $10k | 1.00% $10k - $100k
1.05%*$100k*-18 Month CD
OTHER TIERS: 0.90% $1k - $10k | 0.95% $10k - $100k
1.00%*$100k*-12 Month CD
OTHER TIERS: 0.85% $1k - $10k | 0.90% $10k - $100k
0.95%*$100k*-6 Month CD
OTHER TIERS: 0.80% $1k - $10k | 0.85% $10k - $100k

First Legacy Community Credit Union IRA Rates

1.00%$500-IRA Account

First Legacy Community Credit Union Locations
Branch Office405 S Chester STGastonia, NC 28052
Branch Office431 Beatties Ford RdCharlotte, NC 28216
Branch Office244 Dobson RdStatesville, NC 28677-6779
Branch Office2146 Statesville BlvdSalisbury, NC 28147