Savings

Account	Description			Minimum Deposit
Prime Share	A basic membership savings required of all members. $25 Membership Fee collected at account opening.	View Rates	Apply	$10.00
Side Share Savings	An extra savings account to keep you organized, to set aside funds for reoccurring or special purchases.	View Rates	Apply	$0.00
Future Leader Savings	The Future Leaders savings encourages and rewards our youngest members to foster a habit of saving. Learn more.	View Rates	Apply	$10.00
Christmas Club Savings	Fill your cup with cheer. Save for the holidays through payroll deduction or auto transfer with our Christmas Club Savings. Learn more.	View Rates	Apply	$0.00
Vacation Club Savings	Save for a sunny day through payroll deduction or auto transfer with our Vacation Club Savings. Learn More.	View Rates	Apply	$0.00
Fast Forward Savings	A savings account to help you move your savings forward, fast. Learn more.	View Rates	Apply	$25.00
Champion High Yield Savings	A savings account to help you earn on high balances while maintaining accessibility. Learn more.	View Rates	Apply	$25,000.00
Platinum Shares	Earn quarterly dividends on higher balances with flexible access to your funds.	View Rates	Apply	$5,000.00
Rate Flex	Earn monthly dividends with a low opening balance and flexible access to your funds.	View Rates	Apply	$1,000.00

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
Six Month Certificate	A pledged savings account with a higher yield and investment period of six months.	$1,000	View Rates	Apply
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.

Christmas Club Savings

Fill your cup with cheer. Save for the holidays through payroll deduction or auto transfer with our Christmas Club Savings.

You choose how much and how often to contribute. Withdraw for the holidays without a penalty from November 1 to December 31. Earns 0.25% APY*.

For a Christmas club account, you may withdraw part or all of your balance any time during the months of November and December and the account will remain open. If any withdrawal is made from a Christmas Club account at any other time, then a service charge will be assessed for each withdrawal.

*APY stands for Annual Percentage Yield.

Vacation Club Savings

Save for a Sunny Day through payroll deduction or auto transfer with our Vacation Club Savings.

You choose how much and how often to contribute. Withdraw for vacation or another special purchase without a penalty up to two times per year. Earns 0.25% APY*.

For a Vacation Club account, you may make two withdrawals a year at any time without a charge. If over two withdrawals are made in a year, then a service charge will be assessed for each withdrawal.

*APY stands for Annual Percentage Yield.

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 1.00% APY* on balances and help your money grow, fast. Apply Today.

Balance Rate	Percent Earned
$25 - 4,999.99	1.00% APY
$5,000 - $9,999.99	0.75% APY
$10,000 - $24,999.99	0.25% 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 0.75%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	0.25% APY
$50,000 - $99,999.99	0.50% APY
$100,000 and Higher	0.75% APY

*APY stands for Annual Percentage Yield. $25,000 minimum opening deposit of New Money* or Existing money from an LCU Certificate or Fast Forward Savings. 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 .025% APY, $50,000 - $99,999 receives 0.50% APY, $100,000 and higher receives 0.75%. Effective July 1, 2020. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Savings Accounts for Kids

Looking for a savings account that pays a great rate to start your child off on the right foot. The Future Leader Savings account encourages and rewards our youngest members to foster a habit of saving.