Loans & Lines of Credit

Whatever you need, Leaders helps you get it.

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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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• Auto Loans as low as 1.99% APR*
• Borrow for cars, trucks, vans, and SUVs
• Terms up to 84 months
• We can help you protect your finances and your vehicle with Debt Protection, GAP, and Warranty. Ask one of our financial champions to learn more. 

Apply Now Our Preowned Vehicles Black Book Values 

*APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as 1.99% APR” apply to well-qualified applicants with credit scores of 760, loan terms of 36 months and vehicles with less than 40,000 miles.  Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Not all applicants will qualify for the lowest rate.  Other restrictions may apply. Loan rate effective as of March 2, 2020, and is subject to change without notice. Payment Example: 36 monthly payments of approximately $28.64 per $1,000 borrowed at 1.99% APR.

Compass Suite

Compass Black VISA® Signature	Compass Rewards VISA® Platinum	Compass Business VISA® Platinum
Earn 3% Cash Back on Gas & Groceries, 2% back on all other purchases.*	Earn 1 Point for $1 Spent, redeemable for cash back, travel, or merchandise	2% Cash Back on all purchases*
7.99% for life of balance transfers.**	0% Intro APR* for the first 15 billing cycles*
Learn More & View Disclosures	Learn More & View Disclosures	Learn More & View Disclosures
Apply Today	Apply Today

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 Compass Black VISA^® Signature and Compass Rewards VISA^® Platinum credit card subject to credit application and approval. Not all applicants will qualify. Applicants under age 21 may require a co-applicant.

Compass Black VISA® Signature

A Card that Gives Your Cash Back

• 3.00% Cash Back on Gas & Groceries up to $3,000 annual spend, 2.00% Cash Back on all other purchases.*
• 7.99% for the life of balance transfers if completed within 60 days of card booking.**
• Annual Fee Waived for first 24 months, then $79 annually***
• Control your card at the click of a button with the Leaders Card Control App. 
• Redeem Cash Rewards as a statement credit or into your Leaders Credit Union Checking or Savings Account. See how to redeem rewards here.
• Contactless Payment – tap your card and pay where you see the symbol

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*3.00% cash back earned on gas & groceries up to $3,000 in annual purchases. Once this limit is met, gas and grocery purchases revert to 2.00%. **If a balance transfer is completed within 60 days of account opening, the interest rate on that balance will be 7.99% fixed for the life of that balance and there will be no balance transfer fee. If a balance transfer is completed after the first 60 days, a balance transfer fee of $10.00 or 2.00% will be assessed and the balance will be subject to the approved interest rate. A cash advance fee of $10.00 or 3.00% of each cash advance, whichever is greater, will be applied. A foreign transaction fee of 1.00% of each transaction in U.S. dollars will be applied. As of Oct. 1, 2020, variable interest rates are between 15.15%-24.15%. Penalty APR (Annual Percentage Rate) is 27.99%. Rate is determined based on creditworthiness and is indexed on WSJ Prime plus 11.90% - 20.90%. **$79.00 annual fee will be applied after 24 months of account opening.

Compass Rewards VISA® Platinum

Earns Rewards with No Annual Fee

• Earn 1 Point for $1 Spent, redeemable for cash back, travel, or merchandise
• 0% introductory APR^* for 15 months
• No Annual Fee
• Enjoy a low-interest rate. Shop our competition and see!
• Control your card at the click of a button with the Leaders Card Control App. 
• Redeem Cash Rewards as a statement credit or into your Leaders Credit Union Checking or Savings Account. See how to redeem rewards here.
• Contactless Payment – tap your card and pay where you see the symbol

Apply Today

*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 8.15% for Platinum or 10.15% for Platinum Rewards as of April 24, 2020. This APR will be determined by creditworthiness and will vary with the market based on the Prime Rate. 

Compass Business VISA® Platinum

• 2.00% Cash Back on all purchases*
• Annual fee waived for first 12 months, then $49 annually**
• Control your card at the click of a button with the Leaders Card Control App. 
• Talk with our Business Champions to learn more or apply.

*2.00% cash back on all purchases. APR stands for Annual Percentage Rate, the cost of your credit as a yearly rate. APR will vary with the market based on the Prime Rate. Rate is indexed on WSJ Prime plus 11.00% **$49.00 annual fee will be applied after 12 months of account opening. 

Consolidation Loans

One more way to save.

Your journey toward financial freedom begins with the tools to help you reach your goals. Consolidate high-interest rate credit cards or other debts into one! With a Consolidation Loan, you can save on interest and could even lower your monthly payment. Here are some ways we can help:

• Consolidation Loans*: Consolidate high-interest rate credit cards or other debts reducing your rate or shortening your term to repayment. Loan amounts range from $5,000 up to $40,000 and repayment terms range from 48 months to 84 months.
• Rapid Refi: if you have at least 12 on-time auto loan payments with another lender, Leaders will refinance your auto 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’ Compass Rewards Credit Card with 0% APR** for 15 months. 

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*APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “as low as 4.99% APR” apply to well-qualified applicants with credit scores of 760. Minimum loan amount of $5,000 with a maximum amount of $40,000 based on creditworthiness. Not all applicants will qualify for the lowest rate. Tradelines must appear on the applicant’s credit report for a minimum of six months prior to application. Other restrictions may apply. Loan rate effective as of April 1, 2021, and is subject to change without notice. Payment Example: 48 monthly payments of approximately $23.08 per $1,000 borrowed at 4.99% APR.

**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 Compass Black VISA® Signature and Compass Rewards VISA® Platinum credit card subject to credit application and approval. Not all applicants will qualify. Applicants under age 21 may require a co-applicant.