Certificates & IRAs

Be rewarded for your hard work and commitment.

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

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.

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.