What are the current interest rates at Legacy Credit Union?

Current rates for Legacy Credit Union include: 18-Month CD: 3.85%, 24-Month CD: 3.96%, Savings: 0.45%

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Legacy Credit Union

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Legacy Credit Union Rates & Review September 2026

Q: How many branches does Legacy Credit Union operate?

Legacy Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Legacy Credit Union?

Yes, to access services at Legacy Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Legacy Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Legacy Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

Legacy Credit Union's 9 month CD rates are at 4.06%, 24 month CD rates are at 3.96%, 18 month CD rates are at 3.85%, 3 month CD rates are at 2.02%. Legacy Credit Union's savings rates are at 0.45%. Legacy Credit Union's Personal Loan Rates are at 12.00%. MonitorBankRates evaluates the financial stability of Legacy Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.47%. Rates last updated and verified on 09/03/2026.

Legacy Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Legacy Credit Union? Share your experience about Legacy Credit Union by leaving a review below, or read customer reviews before you decide to use Legacy Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.47%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Legacy Credit Union
Legacy Credit Union

3202 Indiana Ave
Joplin, MO 64804-4037

https://www.yourlcu.com

Legacy Credit Union CD Rates

Product	Rate	APY	Term
9 month CD	-	4.06%	9 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
24 month CD	-	3.96%	24 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
18 month CD	-	3.85%	18 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
3 month CD	-	2.02%	3 months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%

Legacy Credit Union Savings Rates

Product	Rate	APY	View More
Savings (Share) Account Dividends	0.45%	0.45%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%

Legacy Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	4.00%	48 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
New Vehicles Loan	-	-	4.50%	60 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
New Vehicles Loan	-	-	4.75%	72 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan	-	-	4.75%	60 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
New Vehicles Loan	-	-	5.00%	84 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan	-	-	5.00%	72 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan	-	-	5.25%	84 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
Used Vehicles (2021 to 2018) Loan	-	-	5.50%	60 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
Used Vehicles (2021 to 2018) Loan	-	-	5.75%	72 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%
Used Vehicles (2017 and Older) Loan	-	-	6.50%	60 months max term
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%

Legacy Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	12.00%	60 months max term
Details $12,000 limit per household Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Legacy Credit Union’s Texas Ratio fell from 9.44% in Q2 2023 to 2.47% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$25M	2.47%	5.0	A+
December 31, 2025	$25M	4.69%	5.0	A+
September 30, 2025	$25M	2.82%	5.0	A+
June 30, 2025	$26M	6.46%	5.0	A
March 31, 2025	$25M	4.13%	5.0	A+
December 31, 2024	$25M	3.82%	5.0	A+
September 30, 2024	$25M	6.04%	5.0	A
June 30, 2024	$21M	4.37%	5.0	A+
March 31, 2024	$21M	5.22%	5.0	A+
December 31, 2023	$20M	9.28%	5.0	A
September 30, 2023	$20M	8.32%	5.0	A
June 30, 2023	$20M	9.44%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Legacy Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Legacy Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Legacy Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Legacy Credit Union

Website https://www.yourlcu.com

Address 3202 Indiana Ave, Joplin, MO 64804-4037

Phone 417-659-6013

Fax 417-659-8731

President Tim Houdyshell

CEO Justin Coyne

Full-Time Employees 4

Part-Time Employees 2

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.47%

Return on Assets (ROA)

0.3320%

Return on Equity (ROE)

1.9424%

Non-Performing Loans Ratio (NPL)

0.74%

Total Assets

25,359,806

Total Amount of Shares and Deposits

20,901,655

Total Shares and Deposits < 1 Year

20,541,079

Total Shares and Deposits 1 3 Years

360,576

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

428,634

Total Uninsured Shares and Deposits > $250K (F+J)

428,634

Total Insured Shares and Deposits > $250K (item 17 less item K)

20,473,021

Total Interest Expense (Sum of items 6 8)

76,533

Share Certificates

290

Number of Accounts for Share Drafts

297

Number of Accounts for Regular Shares

3,341

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,948,729

Total Liabilities

21,024,934

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Legacy Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Legacy Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Legacy Credit Union

Frequently Asked Questions About Legacy Credit Union

How many branches does Legacy Credit Union operate?

Legacy Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Legacy Credit Union?

Yes, to access services at Legacy Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Legacy Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Legacy Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Legacy Credit Union offer online and mobile banking?

Most modern institutions like Legacy Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.yourlcu.com.