Business Details
50+ Years
experience
Your Trusted Credit Union in Birmingham, AL
Legacy Community Federal Credit Union has been dedicated to crafting financial solutions for 70 years, prioritizing low fees, competitive loan rates, and personalized financial advice. Established in 1955 as University Credit Union to serve the UAB community, we expanded our membership to the Greater Birmingham Metropolitan Area in 2006. As a not-for-profit, member-owned cooperative, we focus on providing exceptional financial services at the lowest cost while fostering community growth through local volunteer efforts and partnerships. Our core values of Excellence, Education, Energy, and Empowerment drive our commitment to member satisfaction.With $5 to open a share account, anyone living, working, worshiping, or studying in our 10-county service area can become a member. We offer a full suite of products, including checking, savings, loans, and investment accounts, alongside digital banking tools for 24/7 convenience. Our member-centric approach ensures lower borrowing rates, higher savings returns, and fewer fees, making us a trusted financial partner for generations.
Services
Auto Loans
Credit Cards
Home Loans
Savings Accounts
Personal Loans
Student Checking
Investment Accounts
Digital Banking
ATM Services
Member Benefits
Details
- Year established: 1955
Highlights and features
- We are member-owned, prioritizing your financial success over profits.
- We offer competitive loan rates and higher returns on savings accounts.
- Our digital banking tools provide 24/7 account management convenience.
- We serve the Greater Birmingham community with local expertise and support.
- We provide nationwide access through a network of shared branches and ATMs.
What people say
Friendly staff
Competitive rates
Easy online access
Community involvement
Personalized service
Services
Auto Loans
Our auto loans offer competitive rates with no application or processing fees. Whether purchasing a new or used vehicle, we provide pre-approval options to strengthen your negotiating power. Our local servicing ensures personalized support throughout the loan term, helping members achieve reliable transportation solutions while maintaining financial stability.
Credit Cards
We offer diverse credit card options designed to build credit, earn rewards, and enhance purchasing power. Our cards feature competitive rates and flexible terms, supporting both everyday spending and financial growth. Members benefit from fraud protection and tailored credit-building opportunities aligned with their financial goals.
Home Loans
Our home loan programs support purchases, refinancing, and renovations with competitive rates. We specialize in helping members achieve homeownership through personalized guidance and local expertise. Services include cash-out equity options and tailored mortgage solutions for first-time buyers and experienced homeowners alike.
Savings Accounts
We provide multiple savings options including share accounts, incentive savings with 5% APY on initial balances, and club accounts for targeted goals. Our money market and certificate products offer premium rates for serious savers, emphasizing financial growth through secure, interest-bearing solutions.
Digital Banking
Our mobile and online banking platforms enable 24/7 account management, including bill payments, transfers, and loan applications. The user-friendly app features real-time alerts, mobile check deposit, and secure access to financial tools, ensuring convenience and control for members at their fingertips.
Questions
How do I become a member of Legacy Community Federal Credit Union?
To join, you must live, work, worship, or attend school in our 10-county service area. Open a share account with $5 and complete our application process.
What loan types do you offer?
We provide auto loans, home loans, credit cards, personal loans, and student financing options with competitive rates and local servicing.
Can I access my accounts online?
Yes, our digital banking platform offers 24/7 access for account management, bill payments, transfers, and mobile check deposits through our mobile app.
Do you have ATMs in the Birmingham area?
We operate multiple ATMs across Greater Birmingham and participate in the MoneyPass network for surcharge-free access nationwide.
What financial education resources do you provide?
We offer blogs, calculators, and workshops on budgeting, credit management, homeownership, and financial planning to support member financial literacy.
Are there fees for using out-of-network ATMs?
Engage Checking account holders receive reimbursement for up to $6 in monthly surcharge fees when using non-MoneyPass ATMs.
Reviews (4)
OldSkoolWayy
Sep 24, 2020
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I hate that these banks are closed on Saturday they act like people dont need large sums of money on the most busiest day of the week. This always irritates me, So its time to find another bank, its already sad i cant use my atm card in stores...
Orange Blue
Jun 24, 2019
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Very nice and easy to get a payoff of my car. They didn't hassle me like other credit unions have in the past. Glad I got my loan with Legacy Credit Union.
Paris Powell
Sep 16, 2018
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Terrible customer service.!! Not very welcoming at all!!! Dislike this branch and would not continue my servicing there anymore!!! If I could post without giving a star I would! The only person that is nice there is the security guard!!
Reverend Right
Sep 28, 2017
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Horrible...They pick and choose what and when they would like to post deposits and charges. Keep track of your own charges because they will deliberately show you inaccurate balances. I have literally noticed on multiple occasions where they will remove a charge in order to raise your balance and wait until you swipe again and add the charge back in order to issue you a NSF. THEY ARE SCAMMERS...STAY AWAY
