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THE RATE YOU NEED

Help your money grow faster with competitive rates–up to 5% on select accounts.

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NEW WAY TO SAVE

Round up any debit card purchases to the next whole dollar and transfer the amount in excess to your Incentive Savings account. 

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Auto & Recreational Loans

Great Loan Rates.

Get more out of your money with our competitive interest rates.

Legacy offers a wide range of loans to meet your unique needs. Whether you’re buying a car, refinancing or buying a new home, taking out a line of credit or applying for a credit card, our competitive interest rates can help you get more for your money.

Qualified Legacy members are eligible to take advantage of our great loan rates and apply for a loan at any time. Whether you’ve been a member for 10 years or 10 minutes, you can apply today.

New and Used Car Loans


Legacy has a lending package that fits your needs. The process is easy, the rates are great and the convenience is unmatched. Your payment can be paid electronically with payroll deduction.

  • Up to 100% financing for qualified members
  • Terms up to 84 months for loans (some restrictions apply)
  • No application or processing fees
  • Pre-approvals for negotiating power (know what you can spend before you shop)
  • Low cost credit life and disability insurance and GAP coverage
  • Low cost Mechanical Repair Coverage (warranty)
  • Complete your financing on-site at participating dealerships

First-Time Auto Buyer Loan


Agree that nothing is sweeter than the idea of purchasing your first car? Legacy has a program for members just like you. Give us a call and see how we can help.

  • Terms up to 60 months
  • Rate of 6.90% APR for all borrowers. Auto must be 6 model years old or less.
  • 5% Cash Down (5% of total amount financed-must be true cash, not trade or rebate)
  • Maximum LTV: 95% invoice or NADA clean trade
  • $25,000 Maximum advance, including back-end

College Graduate Car Loan


You’ve finished your coursework and are looking forward to the next phase of life. A new set of wheels and an automobile loan from Legacy can help you get there.

  • Terms up to 60 months
  • Rate of 6.90% APR for all borrowers. Auto must be 6 model years old or less.
  • 5% Cash Down (5% of total amount financed-must be true cash, not trade or rebate)
  • Maximum LTV: 95% invoice or NADA clean trade
  • $25,000 Maximum advance, including back-end

To start the loan process visit a branch or apply online

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See Our Dealer Partners

It is our desire to offer services which save our members time and money. For your convenience, members purchasing a new or used car can secure financing through Legacy at our participating dealerships.

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Recreational Vehicles and Power Sports

We also offer loans for various other vehicles including boats, water sport vehicles, motorcycles, campers, and RV’s. If you are looking for great financing to fund your recreation, give us a call at (205) 930-5000 or use the online application above.

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