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Savings

Build a plan to realize your dreams, a dollar at a time


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 $0.00
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.

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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.

Future Leader Savings

The Future Leader savings account encourages and rewards our youngest members to foster a habit of saving. The account pays a tiered dividend rate to develop positive money management habits that will set your child up for financial success. Apply For Your Future Leader Savings Today.

  • Eligible for ages 0-21
  • Membership fee of $25 is waived. 
  • Prime Share (membership) account requires a minimum deposit of $10.00.
  • Future Leaders savings account requires a minimum deposit of $10.00.
  • Withdrawals forfeit dividends earned for that month. 
  • Eligible for checking at 15 years of age.
Balance Rate Percent Earned
$0.00 - $500.00 5.00% APY*
$500.01 - $4,999.99 1.00% APY*
$5,000.00 - $9,999.99 0.75% APY*
$10,000.00 - $24,999.99 0.25% APY*
$25,000.00 and over 0.00% APY*
Incentives to Save:


We believe saving is a learned discipline. Leaders encourages kids and teens to form saving habits early in life with these incentives:

  • Receive a sticker on your reward card with each in-branch deposit of $5 or more.
  • Earn a prize or enter to win a quarterly drawing with each filled reward card.
  • Receive a deposit, courtesy of Leaders, into your Future Leaders account for perfect school attendance or for “A” grades on your report card.**
If opening a minor account online (Under 18):

First make the selection of:

  • New Member Account (No current relationship with minor)

            or

  •  Existing Member Account (Adding secondary account)

When asked: What type of account are you opening?

  • Select "Other"
    • Then, Select "Minor Account" from the drop-down menu

These accounts will require the Minor's information as Owner AND the Guardians information. You will need the minor's social security card and birth certificate both in branch or online to open this account. 

NCUA: Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. *APY stands for Annual Percentage Yield. If the member withdraws from the account, the member will not receive dividends for the month. One withdrawal per month without a fee, additional withdrawals are subject to a $5 fee.  One Future Leaders Account per membership. All Future Leader Accounts require at least one person age 18 or over as joint owner of the account. **Deposit is made when a report card or perfect school year attendance report is presented in-branch with a limit of 4 report cards and/or 1 perfect attendance report per school year. Report card deposits are made once each quarter and are $1 per “A” or “Excellent” grade with a limit of $5 per report card.  Perfect attendance deposit is made at the end of the school year and is $10.

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.

Couple at Christmas

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.

Ocean
Fast Forward

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.

Retired Couple Walking Together

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.