A Legacy of service

Welcome! Joining the First Legacy Community Credit Union is easy. It’s one of the smartest financial moves you can make. Once you’re a member, you’ll be eligible for an outstanding number of financial products and services.

Any individual who lives, works, worships or goes to school in any of the following counties can become a member. Mecklenburg, Rowan, Iredell, Cabarrus, Catawba, Alexander, Davie, Gaston, Cleveland, and Lincoln counties.

Loan Rates

As of May 3, 2016

  • New Automobile 3.90% TO 12.0%
  • Used Automobile 4.90% TO 14.0%
  • Share Loan SH + 2.50%
  • Unsecured Loans 9.90% TO 16.0%

All rates stated as APR

FLCCU Mortgages

March 4th, 2017

Apply Today at the following web address:


You want your own place. You want to paint the walls the color you want and plant your favorite flowers in your own garden. At First Legacy Community Credit Union, our mission is to give you the tools to make your dreams come true and that includes sound advice when it comes to purchasing your first home. We know that your home is more than just a house – it’s the foundation of your family’s long-term financial and emotional security.

We know our members want convenience and service, so we make these a top priority. We also service nearly all of the loans we make. This means your loan won’t be sold, you won’t suddenly be making payments to someone else, and you’ll always know who to call when you have a question.

Now is the perfect time to buy a home! Interest rates are still low, and housing prices have dropped considerably.

Come explore the possibilities with us. We’ll work to find the right mortgage to suit your needs. Call (704) 248-4519 or (704) 375-5782 to speak with a mortgage loan specialist or visit us online at www.firstlegacyccu.org to start your application.


We look forward to helping your dreams of home ownership become a reality.

New chip encrypted debit card conversion

May 6th, 2016

As of April 11, 2016, all First Legacy CCU debit card users must use the NEW encrypted debit card. Please activate it immediately by calling 800.466.0040. Destroy your old card which has been deactivated and will no longer work. If you have not received the new card or are experiencing issues with your new card, please call First Legacy Customer Service at 704.375.5781. Disregard the phone number on the back of the card if it is different from the one listed above. For calls after hours, please leave a message and someone will return your call during normal business hours.

We apologize for any inconvenience we have caused you.



431 Beatties Ford Rd.
Charlotte, NC 28216

Tel: (704) 375-5781
Fax: (704) 375-8682



405 North Chester
Gastonia, NC 28052

Tel: (704) 917-0115
Fax: (704) 917-0116



2146 Statesville Blvd.
Salisbury, NC 28147

Tel: (704) 637-6528
Fax: (704) 636-8932



244 Dobson Avenue
Statesville, NC 28677

Tel: (704) 495-3052
Fax: (704) 495-3038