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.

Explore Hamilton View published fees

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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Among its peers

Legacy Community Federal Credit Union · $727M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$706M to $748M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Legacy Community Federal Credit Union(this institution)	Birmingham, AL	$727M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Alliance Catholic Federal Credit Union	Farmington Hills, MI	$719M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Credit Union, A	DuPont, WA	$710M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Apl Federal Credit Union	Laurel, MD	$724M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Arizona Central Federal Credit Union	Phoenix, AZ	$733M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Armco Federal Credit Union	Butler, PA	$719M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bmi Federal Credit Union	Dublin, OH	$732M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cornerstone Community Federal Credit Union	Lockport, NY	$730M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Department Of Commerce Federal Credit Union	Washington, DC	$739M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Choice America Community Federal Credit Union	Weirton, WV	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Citizens' Federal Credit Union	Fairhaven, MA	$706M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Generations Community Federal Credit Union	San Antonio, TX	$735M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gfa Federal Credit Union	Gardner, MA	$747M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Iowa Federal Credit Union	Ames, IA	$715M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Hutchinson, KS	$726M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mass. Institute Of Tech. Federal Credit Union	Lexington, MA	$731M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Members Choice Federal Credit Union	Houston, TX	$721M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meridian Trust Federal Credit Union	Cheyenne, WY	$731M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northland Area Federal Credit Union	Alpena, MI	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Federal Credit Union	Mountain Home, ID	$744M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Primeway Federal Credit Union	Houston, TX	$736M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sharefax Federal Credit Union	Cincinnati, OH	$721M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior Choice Federal Credit Union	Superior, WI	$730M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Financial Federal Credit Union	Pasadena, CA	$748M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Uncle Federal Credit Union	Livermore, CA	$716M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Usc Federal Credit Union	Los Angeles, CA	$741M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.02 (67%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $5.98 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Legacy Community Federal…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Legacy Community Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

Legacy Community Federal Credit Union · $727M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$706M to $748M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Legacy Community Federal Credit Union(this institution)	Birmingham, AL	$727M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Alliance Catholic Federal Credit Union	Farmington Hills, MI	$719M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Credit Union, A	DuPont, WA	$710M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Apl Federal Credit Union	Laurel, MD	$724M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Arizona Central Federal Credit Union	Phoenix, AZ	$733M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Armco Federal Credit Union	Butler, PA	$719M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bmi Federal Credit Union	Dublin, OH	$732M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cornerstone Community Federal Credit Union	Lockport, NY	$730M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Department Of Commerce Federal Credit Union	Washington, DC	$739M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Choice America Community Federal Credit Union	Weirton, WV	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Citizens' Federal Credit Union	Fairhaven, MA	$706M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Generations Community Federal Credit Union	San Antonio, TX	$735M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gfa Federal Credit Union	Gardner, MA	$747M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Iowa Federal Credit Union	Ames, IA	$715M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Hutchinson, KS	$726M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mass. Institute Of Tech. Federal Credit Union	Lexington, MA	$731M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Members Choice Federal Credit Union	Houston, TX	$721M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meridian Trust Federal Credit Union	Cheyenne, WY	$731M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northland Area Federal Credit Union	Alpena, MI	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Federal Credit Union	Mountain Home, ID	$744M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Primeway Federal Credit Union	Houston, TX	$736M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sharefax Federal Credit Union	Cincinnati, OH	$721M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior Choice Federal Credit Union	Superior, WI	$730M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Financial Federal Credit Union	Pasadena, CA	$748M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Uncle Federal Credit Union	Livermore, CA	$716M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Usc Federal Credit Union	Los Angeles, CA	$741M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.02 (67%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $5.98 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Legacy Community Federal…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.