Savings

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Account	Description
Prime Share	A basic membership savings required of all members.	View Rates	Apply
Side Share	A basic savings used as an add-on for miscellaneous use.	View Rates	Apply
Club Shares	A dedicated account for holidays and vacations, with restricted access and a higher yield.	View Rates	Apply
Fast Forward Savings	A savings account to help you move yours savings forward, fast. Learn more.	View Rates	Apply
Champion High Yield Savings	A savings account to help you earn on high balances, while maintaining accessibility. Learn more.	View Rates	Apply
Platinum Shares	A premium account with restricted access, a minimum to earn and a higher yield.	View Rates	Apply
Rate Flex	A premium account with a minimum balance requirement and earns a higher yield.	View Rates	Apply
Student eSavings	The smart account that pays BIG on small balances.	View Rates	Apply

Frequently Asked Questions

Certificates & IRAs

Be rewarded for your hard work and commitment.

Account	Description	Minimum Deposit
Term-Share Certificate	A pledged savings account with a higher yield and investment periods from 6 months to 60 months.	$1,000	View Rates
Money Market Certificate	More flexible than a traditional certificate. Deposits can be made at any time and one withdrawal per month.	$3,000	View Rates	Apply
Individual Retirement Account (IRA)	Tax-deductible savings option for specific purposes like retirement or education. Traditional, Roth and ESAs available.	$1,000	View Rates	Apply

NOTE:APY = Annual Percentage Yield. Term-share certificates closed before maturity are subject to early withdrawal penalties. Certificates may be used as collateral for low-interest loans.

NOTE: There are specific guidelines for contributions and distributions of IRA funds. Please contact our IRA Department for more information at 731-664-1784 or 800-227-1893

Payroll Deduction

Painless saving. Great results.

Just like direct deposit, you can automate delivery of your money into your savings by choosing a portion of your paycheck to come to Leaders. Use payroll deduction to fund your next vacation, gifts and travel for the holidays, or put money back for an emergency. You can even payroll deduct your loan payment at Leaders.

NCUA Insurance

Federally-insured by the National Credit Union Administration

Your funds federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

National Credit Union Administration, a U.S. Government Agency.

NOTICE: By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be NCUA-insured to the legal maximum of $250,000 for each ownership category. For more information on NCUA share insurance, visit this link.

Fast Forward Savings

Moving your Goals Forward, Fast

As your financial champion, let us help you jumpstart your savings and move towards your goals with our Fast Forward Savings account. Earn up to 2.02% APY* on balances and help your money grow, fast. Apply Today.

Balance Rate	Percent Earned
$25 - 4,999.99	2.02% APY
$5,000 - $9,999.99	1.51% APY
$10,000 - $24,999.99	0.50% APY
$25,000 and Higher	0.00% APY

*APY stands for Annual Percentage Yield. In order to qualify to receive interest for the month, the member must not withdraw from the account and have at least one (1) deposit for at least $20.00 (not including the interest from the account). If the member withdraws from the account, the member will not receive interest for the month. One FREE withdrawal per month, additional withdrawals are subject to a $5 fee. Account limited to one per membership. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Champion High Yield Savings

Let your hard work - work hard for you.

Earn up to 2.20%APY* on your balance while enjoying access at your fingertips with the Champion High Yield savings account. Apply Today.

Balance Rate	Percent Earned
$25,000 - 49,999.99	1.90% APY
$50,000 - $99,999.99	2.05% APY
$100,000 and Higher	2.20% APY

*APY stands for Annual Percentage Yield. $25,000 minimum opening deposit of New Money* or Existing money from an LCU Certificate only. New money is defined as money that has not been on deposit at Leaders Credit Union during the past 30 days. Dividends paid quarterly. Limited to three transfers or withdrawals. If these limitations are exceeded the account will be subject to a service charge for each withdrawal or transfer over the limit. $25,000 - 49,999 receives 1.90% APY, $50,000 - $99,999 receives 2.05% APY, $100,000 and higher receives 2.20%. Effective July 8, 2019. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.