Member Benefits
Being a member of Legacy Credit Union brings many benefits. Because we’re part of the community, we understand the unique needs of our members.
We offer all the financial tools you need to reach your goals, from our convenient savings and checking accounts to our affordable, flexible loan products and more.
Become part of our financial co-op today, and thrive with your community.
Credit Union Membership Benefits: It Pays to Belong
Enjoy the benefits of credit union membership. Gain special access to these exclusive prices and savings on top brands and services!
Explore the Features & Benefits of Joining Legacy Credit Union
Direct Deposit
Get your recurring payments like paychecks, Social Security, or retirement income directly deposited in your Legacy Credit Union account – up to two days early! Call us at (205) 930-5000 to start direct deposit.
Payroll Deduction
Easily save, make loan payments, or start a Christmas Club with Payroll Deduction. Set your amount, and it’s automatically deducted from your paycheck. You can change it anytime. Call (205) 930-5000 for a form or ask staff at any branch.
Instant Issue VISA® Debit Card
Get a FREE VISA® debit card with a Legacy Checking account. It works as both an ATM and debit card, deducting charges from your checking account. Enjoy cash back at merchants and easily track your monthly statement. Call (205) 930-5000 to apply today!
FlashTalk
Check balances, transfer funds, view account history, or verify checks 24/7 with our automated telephone system. It’s a quick and convenient way to manage your account, with most transactions processed instantly. Call (205) 715-2301 or (800) 910-4801.
More Member Benefits
- Financial Counseling
- Money Orders
- Cashier’s Checks
- Notary Service
- Safe Deposit Boxes
- Personal Check Orders
Craft Your Legacy
Legacy’s vision is simple: We craft financial solutions for our members.
We do this with low fees for our services, competitive loan rates, and helpful advice whenever it’s needed. Every day, in every way, you can count on us as a partner in making the most of your money.
Join us, and we’ll help you Craft Your Legacy.
It’s Easy to Become a Member of Legacy Credit Union
Gather Your Information
You’ll need your photo ID, proof of address, social security number, and your date of birth.
Verify Your Eligibility
Membership is open to most residents of the seven-county greater Birmingham area.
Open a Share Savings Account
With a minimum deposit of just $5, your account unlocks all the benefits of Legacy membership.
★★★★★
“I started banking with Legacy Credit Union when it was the University Credit Union. I have never had any issues with this bank and the staff is always nice and always willing to help. I’ve gotten car loans, checking, savings accounts and also the Christmas Club.”
– Jan A., Adamsville, Alabama
Credit Union Member Benefits FAQs
If you live, work, worship, or attend school in Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, and Bibb counties in the greater Birmingham area, or if you are the dependent of someone who does, then you’re eligible for Legacy membership.
A Share Savings Account is our basic membership account. It requires a minimum deposit of $5 and unlocks all membership benefits.
Absolutely. Legacy actually started as the University Credit Union to serve the UAB community members, and we continue to value your membership today. Go Blazers!
The advantages of credit unions include better savings and borrowing rates on deposit accounts and lower fees on products and services than other financial institutions. As member-owned, not-for-profit institutions, credit unions offer more personalized customer service and financial services tailored to your specific needs.
While the priority of traditional banks is to ensure their external shareholders make a profit on every financial product, a credit union benefits its members only. That allows credit unions to charge lower fees and interest rates on loans, and to return more earnings to members in the form of higher dividends.
Birmingham is our hometown, too. That’s why, in addition to the personal finance products and financial education we offer our members, we also focus on volunteer and service projects that help to make our region stronger.
Take Your Next Steps With Legacy Credit Union Today:
More Resources
UAB Students
Joining Legacy is an amazing way to get started in your financial life, with all the benefits a college student needs.
Engage Checking
Sign up for our high-yield checking account. Earn 2.00% APY* on your balance of up to $15,000 each month.
Incentive Savings
Turn spending into saving with every swipe of your debit card. Watch your savings grow automatically over time!