Business Details
50+ Years
experience
Your Trusted Partner for Member-Owned Banking Solutions
Legacy Community Federal Credit Union has served the Birmingham community for over 70 years as a member-owned financial institution. Established in 1955, we prioritize our members' financial well-being through competitive loan rates, high-yield savings options, and personalized service. Our community-driven approach extends to local volunteer efforts and partnerships with the University of Alabama at Birmingham.We offer comprehensive digital banking solutions, including mobile apps for convenient money management, and maintain a nationwide network of credit union branches for member accessibility. Our commitment to financial education and member ownership ensures that every decision aligns with our members' best interests.
Services
Checking Accounts
Auto Loans
Home Loans
Credit Cards
Savings Accounts
Investment Accounts
Digital Banking
Loan Calculators
Details
- Year established: 1955
Highlights and features
- 70 years of dedicated service to the Birmingham community
- Member-owned structure prioritizes customer interests over profits
- Competitive loan rates and high-yield savings options
- Nationwide credit union branch network accessibility
- Comprehensive digital banking with mobile money management tools
What people say
Willing to help
Definitely recommend
Customer service are wonderful
Member since 1998
Competitive rates
Services
Auto Loans
Legacy offers competitive auto loan rates with flexible terms for new and used vehicle purchases. Our financial consultants help members secure affordable financing options tailored to their budget. As a member-owned credit union, we pass savings to members through lower interest rates compared to traditional banks.
Digital Banking
Our mobile banking app provides 24/7 access to account management, bill payments, and transaction monitoring. Members can deposit checks remotely, track spending patterns, and receive real-time fraud alerts. The platform combines security with user-friendly features for modern financial management.
Home Loans
Legacy provides home loan solutions including fixed-rate and adjustable-rate mortgages for purchase or refinance. Competitive APRs and personalized guidance help members achieve homeownership goals. Our local loan officers understand Birmingham's housing market and lending requirements.
Savings Accounts
We offer multiple savings options including share savings, incentive savings clubs, and money market accounts. Members earn competitive APYs while maintaining liquidity. Specialized programs help automate savings goals through payroll deductions or automatic transfers.
Credit Cards
Our credit card offerings feature low APRs, rewards programs, and fraud protection benefits. Both secured and unsecured options help members build credit while earning cashback or travel rewards. Online account management simplifies payment tracking and budgeting.
Questions
What services does Legacy Community Federal Credit Union offer?
We provide checking accounts, auto loans, home loans, credit cards, savings accounts, investment accounts, and digital banking tools. Our services cater to both personal and small business financial needs.
How do I become a member?
Membership is open to Birmingham residents, UAB students, faculty, and employees. Join by opening a savings account with a $5 minimum deposit at any branch or online.
What loan options are available?
We offer auto loans, home mortgages, personal loans, and credit cards with competitive rates. Loan terms and amounts depend on creditworthiness and specific financial needs.
Is my money safe with Legacy?
Yes, all deposits are federally insured up to $250,000 by the NCUA. We maintain strict security protocols for online transactions and account protection.
Can I access accounts outside Alabama?
As part of a nationwide credit union network, you can conduct transactions at participating branches across the US, including deposits and withdrawals.
