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Borrowing

Standing with your households needs. Standing behind your purchases.


Loans & Lines of Credit

Whatever you need, Leaders helps you get it.
Loan Description Terms up to  
Auto For cars, trucks, vans, and SUVs. Pre-approvals available. Learn more. 84 mos Apply
Motorcycle & ATV For motorcycles and off-road vehicles. Pre-approvals available. 84 mos Apply
Boat For watercraft vehicles. Pre-approvals available. 144 mos Apply
RV For recreational vehicles and campers. 180 mos Apply
Leaders VISA® Credit Cards

Earn cash back, rewards or save with a balance transfer. Learn more

n/a Apply
Consolidation Loans Consolidate high-interest rate credit cards or other debts reducing your rate or shortening your term to repayment. Learn more 84 mos Apply
Mortgages From first mortgages, refinances and home equity loans to fixed rates, adjustable rates, balloons and even 100% financing, we’ve got you covered. Learn more. n/a Apply
Home Equity Line of Credit (HELOC) Put your home’s value to work for you! Use a HELOC for home improvements, debt consolidation, extra cash or as an emergency funding source. Learn more. 15 years Apply
Personal Loans Finance any purchase or prepare for unexpected emergencies. Lines of credit also available. 84 mos Apply
Share-Secured Use your own deposits as collateral and enjoy a low-interest rate 144 mos Apply
Student Loans  For students pursuing higher education to fill the gap federal aid may leave behind or interested in refinancing. 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.

Compass Suite

Compass Black VISA® Signature Compass Rewards VISA® Platinum Compass Business VISA®
3.00% Cash back on Gas & Groceries up to $3,000 annual spend, 2.00% Cashback on all other purchases.* 1 Point Earned for $1 Spent, redeemable for cash back, travel, or merchandise 2% Cash back on all purchases^
Annual Fee Waived for first 24 months, then $79 annually** No Annual Fee Annual fee waived for first 12 months, then $49 annually^*
7.99% for life of balance transfers if completed within 60 days of card booking. 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% Cashback on all other purchases.*
  • 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. 
  • 7.99% for the life of balance transfers if completed within 60 days of card booking.

Apply Today

* 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%. **$79.00 annual fee will be applied after 24 months of account opening. 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%.

Frequently Asked Questions

Compass Rewards VISA® Platinum

When it comes to your spending, no other provider cares more than we do.
Compass Rewards Platinum VISA®
  • 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
  • No Transaction Fee for Purchases
  • Enjoy a low ongoing interest rate between 8.15% APR and 22.99% APR

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

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
*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 teh 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. 

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.

Black Book Values Our Preowned Vehicles 

  • 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

*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.

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 4.04%
  • Offers fixed and variable rate options
  • Offers 5, 10 & 15-year terms
  • Waives origination fees
  • Waives prepayment penalty
College Student

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. 

Apply Now

*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.

Father Son Playing

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

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

Need to file a claim? Click here to access the claims registration portal. 

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.

Couple renovating

Home Equity SmartLine™ (HELOC)

Let your home's value work for you.

Leaders' Home Equity SmartLine™ allows you to use your home's value for home improvements, debt consolidation, extra cash or as an emergency funding source. A Home Equity Line of Credit (HELOC) gives you, the borrower, the most control over your borrowing.  Here's what you need to know about our Home Equity SmartLine™:

  • Apply online, or visit any of our branches
  • Lines of credit begin at $10,001 up to $150,000
  • Connect your Home Equity SmartLine™ to your Leaders checking account and make automatic advances to spend using your Leaders debit Mastercard®
  • Receive an introductory rate for the first 12 months
  • Up to 95% combined loan-to-value
  • Promotional closing costs available
  • Line of credit is amortized over 15 years, and you may make draws on the line of credit up to 7 years
  • No prepayment or early termination penalty
*Annual Percentage Rates (APR) are subject to change without notice. Rates are variable and subject to credit approval. APR may vary based on Wall Street Journal Prime (current rate as of 3/15/2021 is 3.25%) and are subject to change with market conditions. An introductory rate of 0.99% APR is for qualifying applicants for the first 12 months of the loan beginning with the date of the loan. After the introductory rate ends, the line of credit will convert to a variable periodic rate with a corresponding APR of no less than 3.25% or more than 18%. Home Equity Loan rates are calculated at Prime plus a margin. Margins remain the same for the life of the loan and can range from 0.25% APR - 6% APR. APR and introductory rate are based on credit scores and/or combined loan to value ratio. Closing cost based on credit line amount. Home Equity Line payments are based on the previous month’s principal balance on the last business day of the month. Payments recalculate if a draw occurs during the month. The minimum monthly payment amount is $100. Homeowner's insurance is required. All loans subject to credit approval. Additional terms, conditions, and restrictions apply and may change without notice.

Express Home Equity Line of Credit (HELOC)

Using your home's value is smart. Choosing a home equity line of credit that gives you the most control is even smarter. Leaders' Express Home Equity Line of Credit allows you to use your home's value for home improvements, debt consolidation, extra cash or as an emergency funding source. Here's what you need to know about our Home Equity SmartLine™:

  • Apply online, or by visiting any of our branches
  • Lines of credit up to $10,000
  • Up to 100% combined loan-to-value
  • No closing costs
  • Line of credit is amortized over 15 years, and you may make draws on the line of credit up to 7 years
  • No prepayment or early termination penalty
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