Credit union · NCUA insured
Legacy Credit Union Savings Rates
Top CarrotLegacy Credit Union’s best savings rate is 0.30% APY on $10,000, with its Share Savings Account. Rates checked October 22, 2026.
How Legacy Credit Union’s savings 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
0.30%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $30
Share Savings Account
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Legacy Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.30%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Incentive Savings Account
0.25%APY
Must be a member with a Legacy checking account. Spare change from debit card purchases is rounded up to the nearest whole dollar and transferred daily into the account. Deposits cannot be made directly into this account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Earn 5.00% APY on the first $1,000 saved via debit card purchase roundups. | 5.00% | — | Earn 5.00% APY on the first $1,000 saved via debit card purchase roundups. |
| $1,000 and upApplies to balances of $1,000 and up. | 0.25% | $25 | Applies to balances of $1,000 and up. |
Sources (2)
All captured Oct 22, 2026
Share Savings Account
0.30%APY
Must be a member of Legacy Community Federal Credit Union (open to those who live, work, worship, or attend school in Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, Coosa, Cullman, Talladega, or Bibb counties). Requires a $5 initial membership deposit maintained through the life of membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,500 | 0.10% | — |
| $2,500 – $40,000 | 0.30% | $30 |
| $40,000 – $100,000 | 0.40% | — |
| $100,000 and up | 0.50% | — |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Christmas Club Savings Account
0.10%APY
Allows saving throughout the year for holiday shopping. In November, funds are automatically transferred into regular savings. Early withdrawal incurs a $10 penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances. Early withdrawal before November incurs a $10 penalty per transaction.Any balance | 0.10% | $10 | Applies to all balances. Early withdrawal before November incurs a $10 penalty per transaction. |
Sources (2)
All captured Oct 22, 2026
Club Accounts
0.10%APY
Open dedicated accounts for specific goals such as Christmas, vacation, or down payment. No maintenance fees or minimum balance rules.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances.Any balance | 0.10% | $10 | Applies to all balances. |
Sources (2)
All captured Oct 22, 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.