Legacy

3202 Indiana Ave, Joplin, MO 64804

NCUA Insured4.6 (22 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Joplin, MO may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

3202 Indiana Ave

Joplin, MO 64804

Google Maps 🗺Waze

(417) 659-6013

Service Area

This credit union is located in Joplin and serves members in the MO area. Currently serving 3,207 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.20%

Used Auto Loan

6.75%

Personal Loan

13.85%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MO

Lowest rates currently reported by credit unions in MO (NCUA Q4 2025).

Co - Lib— New Auto Loan

Saint Louis, MO

2.99%

Co - Lib— Used Auto Loan

Saint Louis, MO

2.99%

Patriot— Personal Loan

Oakville, MO

7.99%

Missouri Electric Cooperatives Empl— Credit Card APR

Jefferson City, MO

8.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.6

22 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Brenna Mountford

a year ago

If I could give a zero I would! Once a member always a member unless you make the “Board Members” mad! Needless to say they have a bank president that will only do whatever he can to cover his own butt! No lender in the world would give a second loan on a vehicle several months later if their first vehicle was in default the entire time. Yes I owned 2 vehicles both purchased at different times but yet my first loan had been in default for the 2 years I owned it? But yet here’s another loan for you? Bull crap! Not only did my car get taken I got nothing back from my car. My personal belongings. My kids personal belongings. I lost my car to cover up the fact that they gave a loan on a car without knowing any facts never even asked the details. So 2 cars, one being my baby and current on loan get repossessed at my work and then they tell my personal business to people I never gave them permission to. Horrible horrible business and so here’s my personal review of this place and I hope nobody else has to deal with this horrible nightmare of a place!

Shawn McVey

a year ago

Great Credit Union, JT always takes care of me with any questions or concerns. Have had several loans with them over the years. Always looking out for their customers.

K Harper

4 years ago

Legacy Credit Union's customer service is outstanding. They know my face when I walk in the door and greet me by name. I can call and get my questions answered in just a few minutes. We have used them for two auto loans and their rates are super competitive; the last dealership was shocked at what a good rate we received from LCU. I highly recommend them.

Kirk Perryman

6 years ago

I've purchased 2 trucks through legacy and both times Justin has been awesome to work with. He definitely has earned my business for life. Hes always friendly and he goes above and beyond my expectations

Andy O'Connell

2 years ago

Most painless banking experience i’ve ever had. Sarah was great to work with. Was very professional and competent. Rates were the best we found and would recommend to anyone looking for a new credit union!