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THE RATE YOU NEED
Help your money grow faster with competitive rates–up to 5% APY on select accounts.
NEW WAY TO SAVE
Round up any debit card purchases to the next whole dollar and transfer the amount in excess to your Incentive Savings account.
CREDIT CARDS
High flexibility. Low Interest.
VISA Platinum Preferred Credit Card
- Fixed Rate of 8.90% APR (Annual Percentage Rate)
- Earn Points with Scorecard Rewards (Redeemable for Travel and Merchandise)
- No Annual Fee
- No Fee Balance Transfers*
- 2.99% APR* Intro Rate for Balance Transfers for 6 months
- No Cash Advance Fees
- 25-Day Grace Period on Purchases
- No Penalty APR
- E-Statements Available
- Online Account Access at MyCardInfo
VISA Platinum Credit Card
- Fixed Rate of 12.90% APR (Annual Percentage Rate)
- No Minimum Finance Charge
- No Annual Fee
- No Fee Balance Transfers*
- 2.99% APR* Intro Rate for Balance Transfers for 6 months
- No Cash Advance Fees
- 25-Day Grace Period on Purchases
- No Penalty APR
- E-Statements Available
- Online Account Access at MyCardInfo
VISA Student Credit Card
- Fixed Rate of 12.90% APR (Annual Percentage Rate)
- Up to $500 credit limit
- No prior credit history required
- No annual fees
*Applicants under 19 must have a parent/guardian co-signer. Restrictions Apply, $500 credit limit.
Share – Secured VISA Credit Card
- Fixed Rate of 12.90% APR (Annual Percentage Rate)
- Ideal for those with no credit history, or those looking to rebuild credit.
- No annual fees
- Share Account is Collateral for Loan
To open any of these credit cards, visit your nearest branch or apply online.
Lost or stolen Visa Credit Card? Please call Legacy during normal business hours at 205-930-5000. For after hours support call 844-454-1075.
*Balance transfers not valid between existing Legacy credit cards. Balance transfers and cash advances do not have a 25-day grace period. Card type and APR based on creditworthiness. Not all members will qualify.
**APR = Annual Percentage Rate. Subject to approval.
VISA Credit Card Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 8.90% to 12.90% based on your creditworthiness and card type |
| APR for Balance Transfers | 8.90% to 12.90% based on your creditworthiness and card type |
| APR for Cash Advances | 8.90% to 12.90% based on your creditworthiness and card type |
| Penalty APR and when it applies | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month |
| Minimum Interest Charge | There is no minimum interest charge that will apply to your account |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: Consumer Finance |
Fees
| Annual Fee | None |
Transaction Fees
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Penalty Fees
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Other Fees
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Other Links
- View my credit card account online – MyCardInfo
- View my credit card rewards online – Score Card Access
- Verify my credit card online – Verified by VISA®
Rates are current as of 12/26/2024 and are subject to change without notice without notice.