Legacy Community Federal Credit Union

Headquarters: Birmingham, Alabama
Charter: Credit Union
Assets: $727.2M
Fed district: Atlanta

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Everyday Checking
Legacy Community Federal Credit Union: $10
Legacy Community Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Legacy Community Federal Credit Union: $32
Legacy Community Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Legacy Community Federal Credit Union: $25
Legacy Community Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Legacy Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
Dormancy (monthly charge) – after one year of inactivity$5
per month
Excessive withdrawals over 3$2

Overdraft & NSF

NSF/Stop Pay/Courtesy Pay$32
Returned check on payment (audience not stated, treated as personal)$25
Overdraft Protection Transfer$3

ATM & Card

Non-LCFCU ATM Inquiry/Denial$1
Non-LCFCU ATM Transaction$3
View video footage from LCFCU ATM$10
Card Replacement (audience not stated, treated as personal)$10
Card Replacement Fee (audience not stated, treated as personal)$25

Check Services

Cashier’s Checks/Official Checks (audience not stated, treated as personal)$2
Money Orders (audience not stated, treated as personal)$2
ACH Stop Pay$32
Counter Check (per page)$2
per item
Photocopy of Check$6
Photocopy of Draft (audience not stated, treated as personal)$10

Lending Fees

Late Payment Fee (audience not stated, treated as personal)$25

Other Fees

Account Statement Photocopy (per page)$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Dormancy (monthly charge) – after one year of inactivity	$5	per month	None
Excessive withdrawals over 3	$2	Not stated	None
Overdraft & NSF
NSF/Stop Pay/Courtesy Pay	$32	Not stated	None
Returned check on payment (audience not stated, treated as personal)	$25	Not stated	None
Overdraft Protection Transfer	$3	Not stated	None
ATM & Card
Non-LCFCU ATM Inquiry/Denial	$1	Not stated	None
Non-LCFCU ATM Transaction	$3	Not stated	None
View video footage from LCFCU ATM	$10	Not stated	None
Card Replacement (audience not stated, treated as personal)	$10	Not stated	None
Card Replacement Fee (audience not stated, treated as personal)	$25	Not stated	None
Check Services
Cashier’s Checks/Official Checks (audience not stated, treated as personal)	$2	Not stated	None
Money Orders (audience not stated, treated as personal)	$2	Not stated	None
ACH Stop Pay	$32	Not stated	None
Counter Check (per page)	$2	per item	None
Photocopy of Check	$6	Not stated	None
Photocopy of Draft (audience not stated, treated as personal)	$10	Not stated	None
Lending Fees
Late Payment Fee (audience not stated, treated as personal)	$25	Not stated	None
Other Fees
Account Statement Photocopy (per page)	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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