--- title: "Legacy Credit Union Rates (Nov 2026): Vehicle 6.75%, Personal 15.00%" description: "Legacy Credit Union rates today: vehicle loans from 6.75% APR, personal loans from 15.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Legacy Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/missouri/legacy" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Legacy Credit Union Rates (Nov 2026): Vehicle 6.75%, Personal 15.00% ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **48-Month New Auto Loan** auto_new_48mo | — APR | 4.500% | 48 mo · new | Standard | | **60-Month Used Auto Loan (2022 and Newer)** auto_used_60mo | — APR | 5.250% | 60 mo · used | Standard | | **New Sports & Leisure** auto_new_60mo | — APR | 6.000% | 60 mo · new | Standard | | **New Boats/Motors/Trailers** boat_new_84mo | — APR | 6.000% | 84 mo · new | Standard | | **60-Month Used Auto Loan (2018–2021)** auto_used_60mo | — APR | 6.000% | 60 mo · used | Standard | | **84-Month New RV Loan** rv_new_84mo | — APR | 6.250% | 84 mo · new | Standard | | **Used Boats/Motors/Trailers** boat_used_108mo | — APR | 6.500% | 108 mo · used | Standard | | **Used Sports & Leisure** auto_used_48mo | — APR | 6.500% | 48 mo · used | Standard | | **60-Month Used RV Loan** rv_used_60mo | 6.750% APR | 6.500% | 60 mo · used | Standard | | **60-Month Used Auto Loan (2017 and Older)** auto_used_60mo | — APR | 7.000% | 60 mo · used | Standard | Legacy Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 2.450% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 12.000% | — | Standard | | **Tide-You-Over Loans (TYOL)** personal | 15.000% APR | 15.000% | — | Standard | Legacy Credit Union personal loan rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Storm Shelter Loan** other | — % | 4.750% | — | Standard | | **New Lawn and Garden** other | — % | 5.000% | — | Standard | | **Used Lawn and Garden** other | — % | 5.500% | — | Standard | Legacy Credit Union other rates as of November 12, 2026 Vehicle loans available from 6.75% APR for 60 months. Personal loan rates from 15% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/missouri/legacy) , verified from [Legacy Credit Union's official website](https://www.yourlcu.com/) Best product position **Room to improve vs. the Missouri median** personal loan Gap to state best **1250 bp** 1250 bp from state best Vs. state median **450 bp behind median** personal loan Products ranked **1** across tracked Missouri markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 15.00% | Room to improve vs. the Missouri median | 1250 bp from state best | 450 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Legacy Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=legacy&state=missouri&code=MO&name=Legacy%20Credit%20Union) Loading branch locator… ## About Legacy Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.2K Assets $25.4M Founded 1952 Locations reported 2 NCUA charter 64708 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Electronic statements - Mobile check deposit - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Multi-States** Joplin MO Branch · Joplin · MO · 64804 Branch in the same ZIP](https://rateapi.dev/credit-unions/missouri/multi-states) [**Joplin Metro** Joplin Metro Credit Union · Joplin · MO · 64804 About 3.3 miles away](https://rateapi.dev/credit-unions/missouri/joplin-metro) [**Great Plains** HEADQUARTERS · JOPLIN · MO · 64804 About 3.6 miles away](https://rateapi.dev/credit-unions/missouri/great-plains) [**Service 1** Service 1 FCU/Neosho · Neosho · MO · 64850-3110 About 14.1 miles away](https://rateapi.dev/credit-unions/michigan/service-1) [**TTCU** Miami · Miami · OK · 74354-3200 About 22.3 miles away](https://rateapi.dev/credit-unions/oklahoma/ttcu) [**Kansas Teachers Community** Kansas Teachers Community Credit Union · Pittsburg · KS · 66762-3919 About 29.1 miles away](https://rateapi.dev/credit-unions/kansas/kansas-teachers-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Legacy Credit Union Membership eligibility from Legacy Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Legacy Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Missouri Department of Transportation (Southwest District), Missouri State Highway Patrol (Troop D), City of Joplin, City of Carthage, City of Webb City, City of Duquesne, Jasper County Sheriff, medical field, Local, State, and Federal Government, K-12 Education - School Missouri Southern State University, all Colleges & Universities in our area Verified from [Legacy Credit Union's membership page](https://www.yourlcu.com/about-us/membership-qualifications/) . Final membership determination is always made by the credit union. ## Membership rules for Legacy Credit Union Employers 10 · Schools 5 15 published paths to membership, last verified August 21, 2026, quoted from Legacy Credit Union’s own published criteria. ### Employers 10 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Missouri Department of Transportation (Southwest District) “Missouri Department of Transportation (Southwest District)” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of Missouri Department of Transportation (Southwest District) - Employee of Missouri State Highway Patrol (Troop D) “Missouri State Highway Patrol (Troop D)” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of Missouri State Highway Patrol (Troop D) - Employee of City of Joplin “City of Joplin” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of City of Joplin - Employee of City of Carthage “City of Carthage” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of City of Carthage - Employee of City of Webb City “City of Webb City” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of City of Webb City - Employee of City of Duquesne “City of Duquesne” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of City of Duquesne - Employee of Jasper County Sheriff “Jasper County Sheriff” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of Jasper County Sheriff - Employee of medical field “Doctors, Nurses, Clinical Staff in the medical field in our area” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of medical field - Employee of Local, State, and Federal Government “Local, State, and Federal Government Employees in our area” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of Local, State, and Federal Government - Employee of K-12 Education “Teachers, Administrators, and Staff in K-12 Education in our area” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of K-12 Education ### Schools 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Missouri Southern State University (as written on the source page) “Missouri Southern State University (including students and alumni)” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Student at Missouri Southern State University - Alumni of Missouri Southern State University (as written on the source page) “Missouri Southern State University (including students and alumni)” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Alumnus of Missouri Southern State University - Student of all Colleges & Universities in our area “Faculty, Staff, Students, and Alumni of all Colleges & Universities in our area” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Student at all Colleges & Universities in our area - Alumni of all Colleges & Universities in our area “Faculty, Staff, Students, and Alumni of all Colleges & Universities in our area” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Alumnus of all Colleges & Universities in our area - School employee of all Colleges & Universities in our area “Faculty, Staff, Students, and Alumni of all Colleges & Universities in our area” > [source ↗](https://www.yourlcu.com/about-us/membership-qualifications/) - Employee of all Colleges & Universities in our area Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Legacy Credit Union? Yes No ## Work at Legacy Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Legacy Credit Union ranks against Missouri peers. - See which AI assistants fetched Legacy Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Missouri - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=legacy&state=missouri&code=MO&name=Legacy%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Legacy Credit Union offer? Legacy Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Legacy Credit Union rates updated? RateAPI verifies Legacy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Legacy Credit Union's rate data? Rate data is collected directly from Legacy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Legacy Credit Union's auto, rv & boat loan rates? As of November 12, 2026, Legacy Credit Union offers vehicle loans from 6.75% APR. ### What is Legacy Credit Union's personal loan rate? As of November 12, 2026, Legacy Credit Union offers personal loans from 15% APR. ### Who can join Legacy Credit Union? Legacy Credit Union publishes its membership criteria on its own website. RateAPI tracks 15 published membership paths covering 10 employers and 5 schools for Legacy Credit Union, each quoted from Legacy Credit Union's own published membership criteria. ## Related Rate Data Compare Legacy Credit Union's rates against national credit-union benchmarks. [More Missouri credit unions](https://rateapi.dev/credit-unions/missouri) [Missouri auto loan rate leaders](https://rateapi.dev/auto-loan-rates/missouri) [Missouri personal loan leaders](https://rateapi.dev/personal-loan-rates/missouri) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.yourlcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Legacy Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Missouri credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Legacy Credit Union curl "https://api.rateapi.dev/credit-unions/missouri /legacy " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Legacy Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/missouri/legacy Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp