Credit union · NCUA insured
Legacy Credit Union Auto Loan Rates
Legacy Credit Union auto loans start at 5.50% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How Legacy Credit Union’s auto loan rates compare
Compared with banks and credit unions near Joplin, MO-KS, where Legacy Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Legacy Credit Union
5.50%APR
- Terms
- up to 84 months
New Vehicles
Lowest rate
Multi-States Credit Union
3.49%APR
- Terms
- up to 84 months
2nd-lowest rate
Joplin Metro Credit Union
4.64%APR
- Terms
- up to 60 months
Legacy Credit Union auto loan score
69
Auto loan score
Higher than 24% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Legacy Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicles
Rates are based on Applicant’s Credit Bureau score. Additional conditions may be applicable.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50% | 84 months max term. Rates are based on Applicant’s Credit Bureau score. |
| up to 72 months | 5.50% | 72 months max term. Rates are based on Applicant’s Credit Bureau score. |
| up to 60 months | 5.50% | 60 months max term. Rates are based on Applicant’s Credit Bureau score. |
| up to 48 months | 5.50% | 48 months max term. Rates are based on Applicant’s Credit Bureau score. |
Sources (1)
- yourlcu.com/loans/rates · captured Oct 5, 2026
Used Vehicles (2017 and Older)
Applies to used vehicles model years 2017 and older. Rates are based on Applicant’s Credit Bureau score.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00% | 60 months max term. Rates are based on Applicant’s Credit Bureau score. |
Sources (1)
- yourlcu.com/loans/rates · captured Oct 5, 2026
Used Vehicles (2021 to 2018)
Applies to used vehicles model years 2021 to 2018. Rates are based on Applicant’s Credit Bureau score.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.25% | 72 months max term. Rates are based on Applicant’s Credit Bureau score. |
| up to 60 months | 6.25% | 60 months max term. Rates are based on Applicant’s Credit Bureau score. |
Sources (1)
- yourlcu.com/loans/rates · captured Oct 5, 2026
Used Vehicles (2022 and Newer)
Applies to used vehicles model year 2022 and newer. Rates are based on Applicant’s Credit Bureau score.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.75% | 84 months max term. Rates are based on Applicant’s Credit Bureau score. |
| up to 72 months | 5.75% | 72 months max term. Rates are based on Applicant’s Credit Bureau score. |
| up to 60 months | 5.75% | 60 months max term. Rates are based on Applicant’s Credit Bureau score. |
Sources (1)
- yourlcu.com/loans/rates · captured Oct 5, 2026
Who can join Legacy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Doctors, nurses, and clinical staff in the medical field in the credit union's area are eligible for membership.
Military, government and schools
- Employees of the City of Carthage are eligible for membership.
- Employees of the City of Duquesne are eligible for membership.
- Employees of the City of Joplin are eligible for membership.
- Employees of the City of Webb City are eligible for membership.
- Local, state, and federal government employees in the credit union's area are eligible for membership.
7 more ways to join
Military, government and schools
- Faculty, staff, students, and alumni of all colleges and universities in the credit union's area are eligible for membership.
- Employees of the Jasper County Sheriff department are eligible for membership.
- Teachers, administrators, and staff in K-12 education in the credit union's area are eligible for membership.
- Employees of Missouri Department of Transportation (Southwest District) are eligible for membership.
- Employees of Missouri State Highway Patrol (Troop D) are eligible for membership.
- Employees, students, and alumni of Missouri Southern State University are eligible for membership.
Family and household
- Family members of employees working at eligible employers or in eligible employment fields are eligible for membership.
Membership information collected October 4, 2026.