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RATES

The less you pay in interest, the more money you have available for other things in life. We at Legacy are all about helping our members succeed, so we keep rates incredibly low. At the same time, we also keep our fees low, too. To make things easy for members, we keep our fees simple and straightforward. That way, you know what fees you’ll need to pay and what you need to do to avoid paying additional fees. See below for our rates and fees.

Savings Account Rates

Daily Share/Club IRA Balance APY*
$100.00 to $2,499.99 0.10%
$2,500.00 to $39,999.99 0.20%
$40,000.00 to $99,999.99 0.40%
$100,000.00 and Up 0.60%
Club Accounts APY* 
All Balances 0.10%
Incentive Savings APY*
$0 to $1,000 5.00%
$1000 and Up 0.25%
Certificate and IRA APY*
91 Days 0.35%
6 Months 1.00%
12 Months 1.50%
13 Months 2.50%
18 Months 2.00%
24 Months 2.00%
25 Months 2.75%
30 Months 2.00%
36 Months 2.35%
48 Months 2.50%
60 Months 2.85%
Preferred Money Market APY*
$0 – $9,999.99 0.20%
$10,000.00 – $24,999.99 0.60%
$25,000.00 – $49,999.99 0.70%
$50,000.00 – $99,999.99 0.75%
$100,000.00 – $249,999.99 0.80%
$250,000 + 1.00%

These are current as of 03/25/2019 and are subject to change without notice.

*APY = Annual Percentage Yield.

Loan Rates

Vehicle Loans Term APR* Payment
2018 – 2020 Up to 48 Months As low as 2.5% Monthly payment of $21.91 per $1,000.00 borrowed
49 – 63 Months As low as 3.00% Monthly payment of $17.18 per $1,000.00 borrowed
64-75 Months As low as 3.50% Monthly payment of $14.86 per $1,000.00 borrowed
76 – 84 Months As low as 4.25% Monthly payment of $13.78 per $1,000.00 borrowed
2015 – 2017 Up to 48 Months As low as 3.25% Monthly payment of $22.24 per $1,000.00 borrowed
49 – 63 Months As low as 3.50% Monthly payment of $17.40 per $1,000.00 borrowed
64-75 Months As low as 3.75% Monthly payment of $14.98 per $1,000.00 borrowed
76 – 84 Months As low as 4.75% Monthly payment of $14.02 per $1,000.00 borrowed
2013 – 2014 Up to 48 Months As low as 3.75% Monthly payment of $22.47 per $1,000.00 borrowed
49 – 63 Months As low as 4.00% Monthly payment of $17.62 per $1,000.00 borrowed
64-75 Months As low as 4.25% Monthly payment of $15.21 per $1,000.00 borrowed
2011 – 2012 Up to 48 Months As low as 5.00% Monthly payment of $23.03 per $1,000.00 borrowed
49 – 63 Months As low as 5.25% Monthly payment of $18.20 per $1,000.00 borrowed
Personal Loans Term APR*  
Scores 720 and over 36 Months As low as 10.00%
Scores 690 – 719 36 Months As low as 12.00%
Scores 640 – 689 36 Months As low as 14.00%
Scores up to 639 36 Months As low as 18.00%
Secured Loan Term APR*  Payment 
Shared Secured 48 Months 4.00% Monthly payment of $23.86 per $1,000.00 borrowed
 CD Secured Maturity Date of CD 2.00% over CD rate
 Motorcycle/RV Loans/ATV’s Term  APR*  Payment 
2018 – 2020 Up to 48 Months As low as 3.50% Monthly payment of $22.36 per $1,000.00 borrowed
49 – 63 Months As low as 3.75% Monthly payment of $17.51 per $1,000.00 borrowed
64 – 75 Months As low as 4.50% Monthly payment of $15.32 per $1,000.00 borrowed
76 – 84 Months As low as 5.00% Monthly payment of $14.13 per $1,000.00 borrowed
2011 – 2017 Up to 48 Months As low as 4.25% Monthly payment of $22.69 per $1,000.00 borrowed
49 – 63 Months As low as 4.50% Monthly payment of $17.85 per $1,000.00 borrowed
64 – 75 Months As low as 5.00% Monthly payment of $15.55 per $1,000.00 borrowed
76 – 84 Months As low as 5.75% Monthly payment of $14.49 per $1,000.00 borrowed
 Boat/Personal Watercraft  Term  APR* Payment 
2018 – 2020 Up to 48 Months As low as 3.50% Monthly payment of $22.36 per $1,000.00 borrowed
49 – 63 Months As low as 3.75% Monthly payment of $17.51 per $1,000.00 borrowed
64 – 75 Months As low as 4.50% Monthly payment of $15.32 per $1,000.00 borrowed
76 – 84 Months As low as 5.00% Monthly payment of $14.31 per $1,000.00 borrowed
2011 – 2017 Up to 48 Months As low as 4.25% Monthly payment of $22.69 per $1,000.00 borrowed
49 – 63 Months As low as 4.50% Monthly payment of $17.85 per $1,000.00 borrowed
64 – 75 Months As low as 5.00% Monthly payment of $15.55 per $1,000.00 borrowed
76 – 84 Months As low as 5.75% Monthly payment of $14.49 per $1,000.00 borrowed

Vehicle Loans 

72-month financing requires a minimum loan amount of $15,000. 84-month financing requires a minimum loan amount of $25,000.
Rates and maximum loan terms available based on vehicle age and creditworthiness of borrower. 2011 or older require Loan Committee approval.
These rates are current as of 10/18/2019 and are subject to change without notice.
*APR = Annual Percentage Rate. Rates are based on creditworthiness.

Personal Loans

Subject to Approval.
These rates are current as of 03/25/2019 and are subject to change without notice.
*APR = Annual Percentage Rate. For open-ended advances, interest is charged from the date of advance. Rates are based on creditworthiness.

Secured Loan

*APR = Annual Percentage Rate. Rates are based on creditworthiness.
Rates are subject to change without notice.

Motorcycle/RV/ATV Loans 

*APR = Annual Percentage Rate. Rates are based on creditworthiness.
Rates are subject to change without notice.
72-month financing requires a minimum loan amount of $15,000. 84-month financing requires a minimum loan amount of $25,000.
Terms up to 120 months may be considered for Recreational Vehicles with Loan Amounts in Excess of $50,000.

Checking Account Rates

Premier Checking APY*
Up to $15,ooo.oo** 2.00%
$15,000.01 or More** 0.50%
When Monthly Qualifications Aren’t Met 0.25%
Premier Qualifications Cycles
Premier Cash Back Checking Cash Back* 
On The First $500 Spent On Debit Card 0.05%
When Monthly Qualifications Aren’t Met 0%
Preferred Money Market*** APY*
$0 – $9,999.99 0.20%
$10,000.00 – $24,999.99 0.60%
$25,000.00 – $49,999.99 0.70%
$50,000.00 – $99,999.99 0.75%
$100,000.00 – $249,999.99 0.80%
$250,000 + 1.00%
Blazer Checking APY*
$1 and Up 0.00%

Current as of 03/25/2019. Subject to change without notice.

* APY = Annual Percentage Yield
** Terms and conditions apply
*** Certain Transaction limits apply

Credit Card Rates

Credit Cards APR*
VISA Platinum Preferred 8.90%
VISA Platinum 12.90%
Shared Secured VISA 12.90%
Student VISA 12.90%

 

*APR = Annual Percentage Rate. Rates are based on creditworthiness and card type.

Rates are subject to change without notice.

Click Here For More Details on Credit Cards

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