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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 47th largest credit union in the state of North Carolina. It is also the 2,815th largest credit union in the nation. It was established in 1941 and as of June of 2016, it had grown to 15 employees and 8,766 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-2.24%
Return on Equity - YTD-13.37%
Annual Interest Income$824.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$32.4MM$37.0MM
LoansQ2 2016vs Q2 2015$21.6MM$25.9MM
DepositsQ2 2016vs Q2 2015$26.4MM$30.7MM
Equity CapitalQ2 2016vs Q2 2015$5.6MM$6.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.4MM$1.4MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.1MM$2.0MM
Real Estate OwnedQ2 2016vs Q2 2015$0$357.00K
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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 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