Legacy Community Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.legacycreditunion.com

205-930-5000

1400 South 20th Street
Birmingham, AL 35255

Legacy Community Federal Credit Union is headquartered in BIRMINGHAM and is the 14^th largest credit union in the state of Alabama. It is also the 640^th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 113 employees and 38,399 members at 9 locations. Legacy Community Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Legacy Community Federal Credit Union is open to those who live, work, worship, or attend school in Bibb, Blount, Chilton, Jefferson, Shelby, St. Clair, or Walker Counties in Central Alabama.
See current membership details

Reviews (1)

Write a Review

Bought My Credit Union, Changed CD Terms!

Posted by: punchie | Feb 14, 2023

This is a cross-review with the credit union that Legacy bought out - 1st Resource Credit Union in Birmingham, AL:

I have a couple of certificates with 1st Resource. They are ADD-ON certificates. However, Legacy credit union CHANGED THE TERMS. No longer am I able to add funds to these existing CDs per customer service.

I've read on this site that this happens from time to time. If they change the terms then I should AT LEAST be able to break the CD without penalty.

Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24421
Year Chartered	1955
Employees	113
Primary Regulator

Profit Margin
Return on Assets - YTD	1.45%
Return on Equity - YTD	11.99%
Annual Interest Income	$6.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$652.3MM$656.9MM
Loans	Q1 2025vs Q1 2024	$380.1MM$402.9MM
Deposits	Q1 2025vs Q1 2024	$568.3MM$581MM
Equity Capital	Q1 2025vs Q1 2024	$78.3MM$67.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.4MM$1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.3MM$1.7MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Legacy Community Federal Credit Union are currently being reviewed.

Locations

Legacy Community Federal Credit Union Locations
Branch Office	200 Corporate Rdg	Birmingham, AL 35242-2948
Branch Office	810 Colonial Promenade Pkwy	Alabaster, AL 35007
Branch Office	1920 4th Ave S	Birmingham, AL 35233-2014
Branch Office	6001 Service Rd	Birmingham, AL 35235-2179
Branch Office	9825 Parkway E	Birmingham, AL 35215-7301
Branch Office	701 Princeton Ave SW	Birmingham, AL 35211-1303
Branch Office	1400 20th St S	Birmingham, AL 35205-4914
Branch Office	1880 Chace Dr	Hoover, AL 35244-1825
Branch Office	47 W Oxmoor Rd	Birmingham, AL 35209-6409

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