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 | $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.