Legacy Community Credit Union Birmingham AL | Best Auto Loans & Business Banking

Introduction

Welcome to Legacy Community, where your financial well-being is our top priority! Located at 1400 20Th St S, Birmingham, AL 35205, our credit union has been serving the community since 1955. With a strong foundation built on trust and reliability, we are proud to support over 39,206 members with a total asset base of $644,020,795. At Legacy Community, we offer a wide range of services tailored to meet your needs from personal banking and auto loans to mortgage refinancing and business loans. Our commitment to you extends beyond just transactions; we aim to build lasting relationships that empower our members financially. Our friendly team of 115 dedicated employees, led by CEO S Glenn Bryan and Board President Michael Patterson, is here to provide personalized service every step of the way. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: 1400 20th Street South, Birmingham, AL 35205-4914. If you have any questions or need assistance, feel free to reach out at 205-933-9933. Join us today and experience the difference that community-driven banking can make in your life. Visit our website at Legacy Community or stop by for a chat we're excited to help you achieve your financial goals!

Branch History & Mission

Welcome to Legacy Community in the heart of Birmingham, AL! Established in 1955, our branch has been a cornerstone of financial support for nearly seven decades. From our humble beginnings, we have grown alongside our community, evolving into a trusted credit union with over 39,206 members and total assets amounting to an impressive $644,020,795. Located at 1400 20th St S, our branch is easily accessible, just a stone's throw from local landmarks that many in the community cherish. We take pride in offering a range of services that cater to both personal and business needs. While you can visit us at this address for all your banking needs, official correspondence should be sent to our mailing address: 1400 20th Street South, Birmingham, AL 35205-4914. Our mission at Legacy Community is clear: we strive to empower our members by providing exceptional financial services while fostering community support. We believe that strong communities are built on strong financial foundations. Through initiatives like personal banking, auto loans, mortgage services, and business financing options, we ensure that every member has the tools they need to succeed. Over the years, we have embraced advancements that make banking more convenient for you. Our digital offerings include mobile payments and online banking services that allow members to manage their accounts from anywhere. We also maintain ADA compliance to ensure accessibility for all our members. Community outreach is at the heart of what we do. Our partnerships with local organizations enable us to give back and support those who need it most. Whether it's through financial literacy programs or charitable contributions, we are committed to making a positive impact. As we continue on this journey together, we invite anyone looking for a supportive and community-focused financial partner to join us at Legacy Community. Experience firsthand how we can help you achieve your financial goals while being part of a caring community. For more information or to become a member today, don't hesitate to contact us at 205-933-9933 or visit our website at www.legacycreditunion.com. Join us in building a brighter future together!

Branch Location & Accessibility

A Variety of Services Just for You

At Legacy Community, we offer a wide range of services tailored to meet your needs from personal banking like checking and savings accounts to auto loans and mortgage refinancing options. If you're looking for business banking solutions, we provide merchant services and business loans as well. Plus, with online and mobile banking available, managing your finances has never been easier! Whether you're a long-time member or considering joining us for the first time, our team is eager to help you achieve your financial goals. We invite you to stop by our branch or give us a call at 205-933-9933 for any inquiries you might have. Experience the difference at Legacy Community today!

Convenient Access and Amenities

At Legacy Community, we understand the importance of convenience. Our branch features ample parking and is designed with accessibility in mind, including ADA-compliant ramps to ensure everyone can enjoy our services without hassle. Whether you prefer face-to-face interactions or need quick access to cash, we have you covered with our ATM services available on-site.

Operating Hours That Fit Your Schedule

We strive to make banking easy for you. Our lobby hours are designed to accommodate your busy lifestyle: we're open Monday through Tuesday from 8 AM to 4:30 PM and Friday from 8 AM to 6 PM. Unfortunately, we do not offer drive-thru banking at this location, but our friendly staff is always ready to assist you inside.

Member Eligibility

At Legacy Community, we believe that everyone deserves a chance to thrive in a supportive community. Becoming a member is easy and welcoming! If you live, work, or worship in the area, you're likely eligible to join us. Our membership extends to family members of current members as well, so you can share the benefits with your loved ones. Once you're part of our family, you'll enjoy personalized financial services designed to empower you on your journey, from checking accounts to loans tailored just for you. Ready to take the next step? Opening an account is straightforward! You can find detailed eligibility information by visiting this link, and when you're ready to apply, head over to this page. If you have any questions or need assistance, don't hesitate to call us at (205) 933-9933. We're here for you!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $8 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $2,222,863, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services make everyday transactions easier. Imagine accepting payments seamlessly whether your customers are shopping online or at your storefront. With tools designed for efficiency, you can focus on what matters most growing your business. Visit us at 1400 20Th St S Birmingham Al 35205 in Birmingham, AL, or call us at (205) 933-9933 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, Legacy Community provides business banking services including merchant services and business loans. We understand the complexities of running a business and are committed to offering solutions that help you succeed.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to access your accounts anytime, anywhere. You can easily check balances, transfer funds, pay bills, or send money to friends with our person-to-person payment feature. Plus, with ATM services available at various locations for cash withdrawals and balance checks, managing your money has never been easier.

Loans and Credit Options

Managing debt can be challenging, which is why we offer personal loans and debt consolidation services. These options allow you to simplify your payments and potentially lower your interest rates. Additionally, our credit cards come with rewards that can benefit your everyday spending while helping you build credit.

Personal Banking Services

Our personal banking options include checking and savings accounts that cater to your unique lifestyle. For those considering purchasing a vehicle, our auto loans and vehicle financing make it easy to get behind the wheel without breaking the bank. If you're looking to invest in real estate, our mortgage loans and refinancing solutions provide flexible terms that can fit any budget.

Shared Branching Services

We also participate in shared branching transactions. If you're a member of partner credit unions, you can make basic deposits and withdrawals at our branch. This makes banking even more convenient when you're on the go. At Legacy Community, we pride ourselves on being more than just a financial institution; we're part of the community. Our commitment is to ensure you have access to all the tools necessary for financial success. If you have questions about any of our services or want to open an account today, please don't hesitate to reach out! Give us a call at (205) 933-9933 or visit us online at https://www.legacycreditunion.com/ . We look forward to serving you!

Digital & Online Banking

Key Features

Explore our online banking platform at https://www.legacycreditunion.com/ where you can easily check your account balances, pay bills, and transfer money between accounts. Our 24/7 online banking services ensure that you have access to your financial information whenever you need it. Whether it's the early morning or late at night, you can handle your banking tasks without stepping foot in a branch. We also offer a mobile application that brings all these features to the palm of your hand. With this app, managing your finances has never been easier! You can set up e-statements to keep track of your transactions without the clutter of paper statements. Plus, our mobile payments feature lets you make purchases quickly and securely using your smartphone. If you're looking to send money to friends or family, our person-to-person transfers make it simple and fast. No more waiting for checks to clear; just send money directly from your account with ease.

Security and Accessibility

Your security is our top priority. We utilize advanced technologies to keep your personal information safe while providing user-friendly tools that enhance your banking experience. Though we do not currently support electronic signature authorization, rest assured that all transactions conducted through our platforms are protected. With all these features combined, banking with Legacy Community means having complete control over your finances in a way that's accessible and straightforward. We're here to support you every step of the way on your financial journey!

Financial Strength

Commitment to Lending

With $5,403 in used auto loans and $395,106,160 in total loans and leases, our lending capacity supports members' financial goals across various sectors. We also take pride in having 108 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership Base

Total Share and Deposit Accounts: 75,655, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Legacy Community is your trusted partner. Visit us at 1400 20Th St S Birmingham Al 35205 or call (205) 933-9933 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member-Focused Savings

Members' savings are secured through $150,558,995 in share certificates and $49,131,067 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting in Your Future

With $84,910,804 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $1,144,433 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Strong Financial Health

With a net worth of $86,160,762, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,338 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Information

If you're interested in refinancing options or want to learn more about eligibility requirements for any of these products, feel free to reach out. You can contact us at 205-933-9933 for more details or visit our website at Legacy Community for additional information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let us help you take the next step towards achieving your financial objectives today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $112,632,117 in used vehicle loans and $68,136,894 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, we provide competitive rates and flexible terms to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $2,222,863 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to offer solutions that align with your goals.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,664,898, make buying or refinancing simple. We aim to support you through every step of the mortgage process, whether you're purchasing your first home or refinancing an existing loan.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $11,183,231 in loans helping members manage their finances effectively. These credit cards come with various benefits designed to make everyday spending easier while providing security and convenience.

Loan Aggregator

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LEGACY COMMUNITY FEDERAL CREDIT UNION