Credit union · NCUA insured
Legacy Credit Union Credit Card Rates
Top CarrotLegacy Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Legacy Credit Union’s credit card rates compare
Compared with banks and credit unions near Birmingham, AL, where Legacy Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Legacy Credit Union
8.90%APR
- Up to
- —
VISA Platinum Preferred
Lowest rate
AmFirst
7.80%APR
- Up to
- —
2nd-lowest rate
AOD Federal Credit Union
8.49%APR
- Up to
- 16.99% APR
Legacy Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Share-Secured VISA
Share Account is collateral for loan. Ideal for those with no credit history. Subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Fixed rate APR. No annual fees. Share account serves as collateral. |
Sources (3)
- legacycreditunion.com/rates-fees-checking
- legacycreditunion.com/savings-rates
- legacycreditunion.com/borrow/credit-cards
All captured Oct 5, 2026
VISA Platinum
Card type and APR based on creditworthiness. Subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | Introductory rate for balance transfers for 6 months. No balance transfer fee. Balance transfers not valid between existing Legacy credit cards. |
| Ongoing | 12.90% | None | Fixed standard APR. No annual fee. |
Sources (3)
- legacycreditunion.com/rates-fees-checking
- legacycreditunion.com/savings-rates
- legacycreditunion.com/borrow/credit-cards
All captured Oct 5, 2026
VISA Platinum Preferred
Must be a Legacy member to apply (eligible if living, working, worshipping, or attending school in Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, or Bibb counties in the greater Birmingham area, or dependent of someone who does). Card type and APR based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | Introductory rate for 6 months on balance transfers. No balance transfer fee. Balance transfers not valid between existing Legacy credit cards. |
| Ongoing | 8.90% | None | Fixed standard APR. No annual fee. No balance transfer fee. |
VISA Student
Up to $500 credit limit. No prior credit history required. Applicants under 19 must have a parent/guardian co-signer. Subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Fixed rate APR. No annual fees. $500 credit limit. |
Sources (3)
- legacycreditunion.com/rates-fees-checking
- legacycreditunion.com/savings-rates
- legacycreditunion.com/borrow/credit-cards
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.