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Overview / Commentary
704-375-5781
431 Beatties Ford Road
Charlotte, NC 28216

First Legacy Community Credit Union is headquartered in Charlotte and is the 45th largest credit union in the state of North Carolina. It is also the 2,795th largest credit union in the nation. It was established in 1941 and as of September of 2016, it had grown to 14 employees and 9,012 members at 4 locations. First Legacy Community Credit Union's savings rates are 44% higher than the national average, and 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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Health
C+
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.

Health Grade Components

Overall
NCUA #68593
Year Chartered1941
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD-1.22%
Return on Equity - YTD-6.97%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$33.0MM$36.1MM
LoansQ3 2016vs Q3 2015$20.7MM$24.7MM
DepositsQ3 2016vs Q3 2015$26.9MM$30.0MM
Equity CapitalQ3 2016vs Q3 2015$5.7MM$5.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$1.4MM$1.3MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.4MM$2.1MM
Real Estate OwnedQ3 2016vs Q3 2015$0$57.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-IRA Account
Locations


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