Credit union · NCUA insured
Legacy Credit Union CD Rates
Top CarrotLegacy Credit Union’s best CD rate is 4.10% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Legacy Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where Legacy Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Legacy Credit Union
4.10%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $445
Share Certificate
Top rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Legacy Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Legacy Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.10%APY · 14 terms
Membership eligible to those who live, work, worship, or attend school in the 7-county Greater Birmingham area. Fixed rate guaranteed for term. Early withdrawal penalty applies. Additional deposits not permitted during term. Minimum opening deposit $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 5 months | 3.50% | $144 |
| 6 months | 3.50% | $173 |
| 9 months | 3.50% | $261 |
| 12 months | 3.50% | $350 |
| 13 months | 4.10% | $445 |
| 15 months | 3.50% | $439 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 25 months | 3.75% | $797 |
| 30 months | 3.50% | $898 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 4.10%APY · 14 terms
Membership eligible to those who live, work, worship, or attend school in the 7-county Greater Birmingham area. Minimum opening deposit $500. Unlimited deposits permitted throughout the length of the term up to maximum contribution limit. Early withdrawal penalty applies, plus possible tax penalty if withdrawn before age 59 1/2.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.50% | $62 |
| 5 months | 3.50% | $144 |
| 6 months | 3.50% | $173 |
| 9 months | 3.50% | $261 |
| 12 months | 3.50% | $350 |
| 13 months | 4.10% | $445 |
| 15 months | 3.50% | $439 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 25 months | 3.75% | $797 |
| 30 months | 3.50% | $898 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All 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.
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.
Membership information collected October 4, 2026.