First Legacy Community Credit Union
Location 431 Beatties Ford Rd., .Charlotte, North Carolina 28216  

Products & Services

The following services and enhanced products are part of the benefits we offer to anyone who joins First Legacy Community CU.

A minimum deposit of $20 plus a fee of $10 opens an account and establishes life membership in the credit union. 

Checking (Share Draft Account)

  • No monthly service fee with a $100 average balance ($200 for Business accounts)
  • VISA check (debit) card
  • Nationwide access to no-surcharge fee ATMs via the CO-OP/Covera ATM network
  • Free online banking
  • Free automated telephone service 
  • Unlimited check writing


Savings (Share Accounts)

  • Split-rate share dividends
  • Term certificates (CDs) 
  • Children’s Savings Club 
  • Christmas Club 
  • Summer Savings Club 



  • New and used auto and truck loans
  • Home loans
  • Home equity lines of credit (HELOC)
  • Business & commercial loans 
  • Share-secured loans 
  • Unsecured loans 
  • Line-of-credit loans

Other Services

  • Direct deposit
  • No-fee ATM access
  • Visa credit card
  • Secured credit card
  • Drive-up teller window access
  • Quarterly statements
  • Payroll deduction
  • NADA auto valuations
  • Money orders and travelers checks
  • 24-hour audio response teller at (704) 375-8605
  • Credit disability insurance
  • Credit life insurance
  • GAP insurance


Online Services (links)


The online service links listed above route to third-party service providers, provided as a convenience to our members, with the following disclaimers:

  • The member leaves the First Legacy Community CU website.
  • The member links to an alternate website not operated by First Legacy Community CU.
  • First Legacy Community CU is not responsible for the content of any third-party website.
  • First Legacy Community CU does not represent either the third-party or the member if the two enter into a transaction.
  • Privacy and security policies may differ from those practiced by First Legacy Community CU.

Online Services


(Share Accounts)

(Share Draft Account)