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First Legacy CCU notice to members on merger with Self-Help CU

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Special Member Meetings

Please make plans to attend a special member meeting to be held on Sunday, February 23, at First Legacy CCU's Gastonia branch. The branch is located at 405 N. Chester Street, Gastonia. The meeting will be held from 3 PM to 4 PM. 

Topics of discussion will include the January 1, 2020 merger with Self-Help Credit Union, and our future plans as we move forward in partnership with Self-Help. 

The upcoming February 23 meeting will be our second merger discussion meeting with members. The first meeting was held in late January, at Friendship Missionary Baptist Church in Charlotte. Thank you to all who attended and participated in the discussion. You're positive feedback on the relationship between First Legacy CCU and Self-Help CU was much appreciated. 


About the Merger

To ensure that our members have the best financial solutions in the years ahead, our Board of Directors unanimously approved a merger with Self-Help Credit Union effective January 1, 2020. 

The merger received approval from the state of North Carolina and the National Credit Union Administration.  Rest assured that your deposits continue to be insured for up to $250,000 by the National Credit Union Administration. 


Thank you for your long-time support of First Legacy CCU. We look forward to serving you in even more ways in the future. First Legacy Community Credit Union has proudly served the needs of our members and communities since 1941. 


Frequently Asked Questions

1. Why is First Legacy CCU merging with Self‐Help Credit Union?

First Legacy determined that the best means to serve our members and expand our products and services was to merge with a strong credit union partner. Self-Help is very similar to First Legacy in values, culture, mission and dedication to best serve its members and has been a close ally of First Legacy CCU for thirty years. This merger also enhances our financial stability.

2. Who is Self‐Help Credit Union?

Self-Help CU was founded in 1984 with a mission of creating and protecting ownership and economic opportunity for all, especially people of color, women, rural residents and underserved families and communities. It serves over 75,000 members through more than 30 branches in North Carolina, South Carolina, Florida and Virginia (including a branch at 1065 Providence Road in Charlotte).  Self-Help CU offers a full range of financial products and services. You can learn more at

3. Will the First Legacy name change?

The current plan is to operate as Self-Help Credit Union, while keeping the First Legacy name on and out in front of our branches, to be displayed as First Legacy, a division of Self-Help Credit Union.

4. Will routing and account numbers change?

Yes. Upon conversion to Self-Help CU in November 2020, all members will need to use the Self-Help CU routing number. Additionally, member and account numbers will change.   

On Monday, November 2, 2020, our back office processes and data systems were converted to those of Self‐Help Credit Union. 

5. Will the hours change?

Branch hours should remain the same. However, we will adapt to changes as they arise, which includes changing branch hours and how we safely provide service at the branches.     

6. Can I continue to use my ATM/Debit and credit cards?

Eventually, we will switch to Self-Help CU's ATM, debit and credit cards. 

7. Can I continue to use my current checks?

Yes, you can continue to use your current checks. However, eventually we will switch to Self-Help's checking accounts, which will include the need for you to change checks.

8. Will I continue to have access to online banking?

Eventually we will convert to Self-Help CU’s remote services, which include online banking, mobile banking and audio banking. 

9. Will direct deposit or ACH transactions be affected?

Current automated transactions will continue to work as normal.

10. When will the switch from First Legacy CCU to Self-Help CU systems take place?

The conversion to Self-Help CU took place on Monday, November 2, 2020.