Borrowing

Standing with your households needs. Standing behind your purchases.

Loans & Lines of Credit

Whatever you need, Leaders helps you get it.

Loan	Description	Max. Term
Auto	For cars, trucks, vans, and SUVs. Up to 115% financing and pre-approvals available. Learn more.	75 mos	Apply
Motorcycle, Boat & ATV	For motorcycles, watercraft and off-road vehicles. Up to 115% financing available.	72 mos	Apply
RV	For recreational vehicles and campers.	120 mos	Apply
Leaders VISA®	Our no-compromises Platinum and Platinum Rewards VISA® credit card. Learn more.	n/a	Apply
Mortgages	From first mortgages, refinances and home-equity lines of credit to fixed rates, adjustable rates, balloons and even100% financing, we’ve got you covered. Learn more.	n/a	Apply
Personal Loans	Finance any purchase or prepare for unexpected emergencies. Lines of credit also available.	48 mos	Apply
Share-Secured	Use your own deposits as collateral and enjoy a low-interest rate.	n/a	Apply
Student Loans	For students pursuing higher education to fill the gap federal aid may leave behind. Learn more.	15 years	Apply

*APR=Annual Percentage Rate. Offer and rate applies only to new balance transfers. Fixed-rate for life refers to the life of current Leaders VISA® credit card. Must be a current Leaders Credit Union member in good standing with no delinquencies and/or charge-offs. Leaders VISA® Platinum and Platinum Rewards credit card subject to credit application and approval. Not all applicants will qualify. Applicants under age 21 may require a co-applicant.

Frequently Asked Questions

Leaders Platinum VISA® Credit Card

When it comes to your spending, no other provider cares more than we do.

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Platinum Rewards VISA^®

0% introductory APR^* for 15 months
No Annual Fee
Be rewarded for making everyday purchases: points, merchandise, or even cash back with CU Rewards
Take advantage of member rewards when you sign up for new credit union products
Enjoy a low ongoing interest rate between 11.65% APR and 24.99% APR

Interested in receiving cash back from your Leaders Platinum Rewards VISA credit card? Simply contact us or visit one of our branches and request a cash back credit on your reward points. You can receive a credit in your checking or savings account, usually same-day!

Platinum VISA^®

0% introductory APR^* for 15 months
No Annual Fee
Enjoy a low-interest rate. Shop our competition and see!
No Transaction Fee for Purchases
Enjoy a low ongoing interest rate between 9.65% APR and 22.99% APR

*APR stands for Annual Percentage Rate, the cost of your credit as a yearly rate. The 0% Introductory APR is valid for 15 billing cycles from the date of purchase, transfer or cash advance. A transfer fee of 2% or $10 whichever is greater will be applied. A cash advance fee of 3% or $10 whichever is greater will be applied. **At the end of the introductory period, the APR for all new and outstanding purchases, transfer balances and cash advances will be a variable rate, currently as low as 9.65% for Platinum or 11.65% for Platinum Rewards as of April 16, 2018. This APR will be determined by creditworthiness and will vary with the market based on the Prime Rate.

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Auto Loans

Leaders keeps you rolling with a convenient online application process, flexible terms and industry-low rates. You can even finance at local dealerships if you choose one of our partners. We're ready to help you make smart financial decisions.

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Borrow for cars, trucks, vans, SUVs, motorcycles, ATVs, watercraft, and RVs
Terms up to 72 months (120 months for RV)
Finance up to 115% of the vehicle's value
Debt Protection, Guaranteed Asset Protection and Warranties are available for purchase and may be included in the financing of your purchase, if qualified

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Student Loans

Getting an education is tough enough without drowning in debt, or stressing over financial hassles. Our Student Choice Loan gets an "A" for Awesome. Check these out:

Finances up to $75,000 (total throughout a college career)
Fills in gaps that federal aid might leave behind
Offers lower rates and fewer fees than typical lenders
Save hundreds per year
Provides zero origination or prepayment fees
Offers the option to defer all payments while in school
Offers flexible payment terms

Student Loan - Refinance

Finding funds for college can seem overwhelming and frustrating. See how we can help you get to the next level in your education.

Refinances up to $100,000
Offers rates as low as 4.07%
Offers fixed and variable rate options
Offers 5, 10 & 15-year terms
Waives origination fees
Waives prepayment penalty

Apply or Learn More

Consolidation Loans

Having one loan at Leaders is good. Having them all here is much better.

We exist to serve your needs. Part of that service is making sure that when you repay your debts, you spend the least amount possible in interest. When you have loans or credit cards with other providers, and you have repaid those loans on-time, we can help you consolidate or refinance them into Leaders loans. Here are some ways we can help:

Consolidation loans: refinance your home or auto and include debts from other providers, reducing your rate or shortening your term to repayment. We also offer signature loans to consolidate other debts.
Rapid Refi: if you have at least 12 on-time auto repayments, Leaders will refinance your loan and either reduce your monthly payment or shorten the length of your loan.
Balance transfers: transfer your existing balance on a competing credit card to a Leaders Platinum VISA® at 0% for 15 months.

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Debt Protection

Help play it safe.

Whether you're taking out a loan to make home improvements or buying a vehicle, it can be a financial gamble because things happen…life happens. Help play it safe with Debt Protection, a voluntary loan-payment protection product. Debt Protection helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

Over 60% of members ages 25-40 are concerned with how they will support themselves if they become disabled.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Debt Protection will cancel or waive your loan payment(s), up to the contract maximums. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

Loss of life, including those caused by acts of war
Disability, including those caused by acts of war
Involuntary unemployment

Email or call the Leaders Loyalty team at 800.227.1893 ext. 1253 and ask about protecting your loans, today.

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

GLOBALLY CONVENIENT. LOCALLY YOURS. Banking at Leaders is safe, affordable, convenient, and most of all, it's rewarding. Join one of the fastest growing, most respected financial institutions that West Tennessee has to offer.

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