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Legacy offers a diverse range of loans to meet your needs. Whether you’re applying for a credit card or for a home/personal/auto loan, we offer competitive rates and local servicing.

Students at the University of Alabama at Birmingham (UAB) can take advantage of a special custom package. Inquire below for more information.


Our new or used car loans have no application or processing fees. Get pre-approved so that you can negotiate with confidence.

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We offer a wide range of credit cards that will help you build points, increase your credit, and allow you to buy the things in life you need.

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Discover our competitive home loans that will allow you to cash out equity, refinance, buy a new home, or make renovations.

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We offer many different types of personal and lifestyle loans. Whether you want to go on vacation or just need extra spending cash, Legacy can help.

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Explore the Benefits of Joining Legacy Credit Union

Being a member of Legacy Credit Union offers several distinct advantages. We’re part of the community and understand the unique needs of our customers. We offer a wide range of tools to help you achieve your financial goals and dreams. Other benefits include:

Friendly, Local Financial Advice

Legacy is a part of your community. We’re here to help you—not turn a profit for outside shareholders.

Great Borrowing Rates

Our auto loans, home loans, and credit cards have some of the best rates you’ll find anywhere.

Member Benefits

Legacy Credit Union members get to take advantage of a wide range of buyer programs, fraud protection, discounts, and more!

We’re a One-Stop Credit Union

From checking and saving to borrowing and investing—we have a full suite of products to help you at each stage of your journey.

Less Fees

Your money belongs in your account. Enjoy fewer fees with Legacy Credit Union.

Better Savings Rates

Our saving rates and investment accounts will allow you to start down the path of building a secure financial future.


“Very awesome credit union. Anyone in or near Birmingham should join. They care about their members and are big supporters of UAB athletics and a very generous company. I would highly recommend them to anyone with lending needs. Their staff will work with you to assist you in anyway they can.”

– Kimberly M.

It's Easy to Join Legacy Credit Union

Check Your Eligibility

Check Your Eligibility

To join Legacy Credit Union, you need to live, work, worship or attend school in Shelby, Jefferson, Blount, St. Clair, Walker, Chilton, or Bibb Counties.

Open a Share Account

Open a Share Account

Deposit just $5 and you can open a savings account and become a member of Legacy Credit Union.

Enjoy Legacy Benefits

Enjoy Legacy Benefits

You’ll get access to all of our high-quality financial services and products along with member benefits, and support from our local team.

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Related Resources


Check out our current low loan rates that will allow you to pay less interest and achieve your financial goals.

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We offer several different calculators that will help you financially plan for your future. We can even send a convenient .PDF report to your email.

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