Credit union · NCUA insured
Legacy Credit Union
Top CarrotA $736.3M credit union headquartered in Birmingham, AL, with 39,671 members and 11 branches in Alabama. Best rates: CDs 4.10% and savings 0.30% APY.
Legacy Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#9 of 35 in Birmingham, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Legacy Credit Union
Legacy Community Federal Credit Union was founded in 1955 as University Credit Union to serve the UAB community, later adopting its current name at the beginning of 2006.
Operating as a member-owned cooperative, the credit union serves individuals who live, work, worship, or attend school across a 10-county Greater Birmingham Metropolitan Area.
- Headquarters
- 100 Corporate Rdg Ste 200, Birmingham, AL 35242-2994
- NCUA charter
- 24421
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, Bibb, Coosa, Cullman, or Talladega counties are eligible for membership.
Cost to join
- A $5 deposit is required to open a share (savings) account for membership.
Branches
11 branches in Alabama
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Alabama
11 branches
Birmingham area · 10
- Alabaster810 Colonial Promenade Pkwy, Alabaster, AL 35007Directions
- McCalla4681 Bell Hill Rd, Bessemer, AL 35022Directions
- Huffman9825 Pkwy E, Birmingham, AL 35215Directions
- Homewood47 W Oxmoor Rd, Birmingham, AL 35209Directions
- Meadowbrook200 Corporate Rdg, Birmingham, AL 35242Directions
- Main Office1400 20th St S, Birmingham, AL 35205Directions
- Princeton701 Princeton Ave SW, Birmingham, AL 35211Directions
- Trussville6001 Service Rd, Birmingham, AL 35235Directions
- Uab1920 4th Ave S, Birmingham, AL 35233Directions
- Chace Lake1880 Chace Dr, Hoover, AL 35244Directions
Cullman area · 1
- Cullman420 2nd Ave SW, Cullman, AL 35055Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.28% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.64% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.84% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio13.28%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.64%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.84%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Legacy Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.