Legacy Community Federal Credit Union

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A short history of Legacy Community FCU

Since its inception in 1955 the Legacy Community Federal Credit Union has been serving its members in the BIRMINGHAM, Alabama area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by JOE McGEE, the Legacy Community FCU has grown its membership to over 38,307 with assets of more than $436,796,676. They have a main office and 8 branch offices. Please see the credit unions website or contact them by phone at (205) 933-9933 or email them at loans@legacycreditunion.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BIRMINGHAM, AL.

General Information For Legacy Community FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24421
Address 100 CORPORATE RDG STE 200 
City BIRMINGHAM 
State Alabama 
Zip-Code 35242
Phone Number (205) 933-9933
Fax Number (205) 930-5019
Email Address: loans@legacycreditunion.com
CEO/President JOE McGEE
Members 38,307 
Full-Time Employees 109 
Part-Time Employees
Number of Branch Offices
Total Assets 436,796,676 
Website http://www.legacycreditunion.com 

Compare Legacy Community Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Ebsco CU EBSCO FCU 5724 Highway 280 E 35201 (205) 991-1106 No 2.73
Avadian CU Montgomery 2906 Atlanta Hwy 36109 (334) 271-4526 No 6.42
Mutual Savings CU Clanton 1501 7th St S 35046 (205) 755-7786 No 7.06
Alatrust CU Talladega Branch 303 South St E 35160 (256) 362-0033 No 7.36
Railroad CU Main Office 1808 2nd Ave S 35210 (205) 956-0678 No 9.56

Legacy Community Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Legacy Community Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.90 2.25 2.50 4.00 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 151 57 52 138 229
Rank Among All Alabama Credit Unions 6 7 5 12 21

Legacy Community Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.01 0.40 0.30 0.86 0.89
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 140 74 97 197 174
Rank Among All Alabama Credit Unions 16 11 12 21 14
Legacy Community Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9003,42011,033,815
All Other Unsecured Loans/Lines of Credit 12.0005,4086,806,401
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.2501,56839,903,161
Used Vehicle Loans 2.5005,11378,735,471
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00062690,259,975
Total Other Real Estate Loans/Lines of Credit 5.0002034,516,138
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 12.0004325,488,705
TOTAL LOANS & LEASES 16,770236,743,666

Legacy Community Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 40956,526,545355,963,144
    b. 15 Years or less 15117,738,0718521,187
Balloon/Hybrid
    a. > 15 years 175,542,54300
    b. 15 Years or less 4510,418,52992,983,352
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 434,28700

OTHER REAL ESTATE

Closed-End Fixed Rate 741,262,1885151,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1293,253,9505142,511
Open-End Fixed Rate 0000
TOTALS 82994,776,113629,761,194

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Legacy Community Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes