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Future Leaders

Fostering smart money habits to move you forward

Leaders Credit Union offers savings and spending accounts to reward our youngest members.


Account Description  
Future Leader Savings A savings account that encourages and rewards our youngest members to foster a habit of saving. Read More Apply
The NEXT Account A spending account that provides youth a way to gain financial confidence. Read More Apply
Student Loans Don't stress over finances. We help you move forward on your educational journey. Read More Apply
Scholarships The Leaders Education Foundation gives forward. Read More Apply
Financial Education Financial literacy tools and resource for students through iGrad. Read More  

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.

  • Eligible for ages 0-21
  • Membership fee of $25 is waived - use code "YOUTH"
  • Minimum deposit of $20 required
    • $10 in your Prime Share (membership) account
    • $10 in your Future Leaders savings account
  • Eligible for checking at 13 years of age.

Apply Today

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*

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.**

Apply Today

Need help opening your account online? See our step-by-step instructions for opening a minor 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 four report cards and/or one 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.


The NEXT Account

Looking for a spending account that allows youth the ability to learn more about managing their own money without the hassle of monthly fees? The NEXT Account provides youth a way to gain financial confidence and a safe way to learn spending independence through The NEXT Debit Card.

  • Eligible for ages 13-21
  • No Monthly Fee and No Minimum Balance
  • Free Debit Mastercard®
  • Membership fee of $25.00 is waived - use code "YOUTH"
  • Free Access to our Mobile App
    • manage personal spending
    • move money between accounts
    • conveniently tied to other Leaders accounts for parent's and teen's peace of mind

Apply Now Direct Deposit Form

Need help opening your account online?
See our step-by-step instructions for opening a minor account.

NOTE: Any Leaders Credit Union member age 13 or over may open a checking account; Members under age 18 must have a parent or legal guardian as joint owner. $10.00 deposit into Prime Share savings account is required to hold membership (refunded upon account closure).

Student Loans

Getting an education is tough enough without drowning in debt, or stressing over financial hassles. Our Student Choice Loan gets an "A" for Awesome. Check these out:

  • Finances up to $75,000 (total throughout a college career)
  • Fills in gaps that federal aid might leave behind
  • Offers lower rates and fewer fees than typical lenders
  • Save hundreds per year
  • Provides zero origination or prepayment fees
  • Offers the option to defer all payments while in school
  • Offers flexible payment terms


Student Loan - Refinance

Finding funds for college can seem overwhelming and frustrating. See how we can help you get to the next level in your education.

  • Refinances up to $100,000
  • Offers rates as low as 4.04%
  • Offers fixed and variable rate options
  • Offers 5, 10 & 15-year terms
  • Waives origination fees
  • Waives prepayment penalty
College Student

Leaders Education Foundation Scholarships

Helping our Future Move Forward

The Leaders Education Foundation was formed by Leaders Credit Union in 2019 to Give Forward to our community. Giving Forward allows community-minded citizens, members, and organizations to unite together to bring educational resources and opportunities students and educators in West Tennessee.

Every Spring Semester, The Leaders Education Foundation will award up to $10,000 in scholarships to students throughout West Tennessee to help our future move forward. To learn more about the Leaders Education Foundation Scholarships, click here.

Students In Hallway


Preparing Students for the Future.

At Leaders, we believe in Moving Forward together. iGrad is a financial literacy platform available to Leaders members that focuses on helping students effectively manage their money, limit and repay debt, and begin successful careers. We are proud to offer modern financial education tools and resources so you can make an informed decision about your college financing options and about your future.

iGrad offers online tools to:

iGrad also provides access to online courses in: repaying student loans, credit cards, investing, credit scores, and more. 

Get Started with iGrad today. 

Learn More about Leaders student loans. 

ATM & Shared Branch Access

For those away at school

Students can take Leaders with them wherever they go! Use our network of 5,400 shared branching locations and over 85,000 ATMs worldwide. Leaders Credit Union participates in shared branch and ATM networks through the Co-Op Branch and ATM networks and the Allpoint ATM network.

If you already have the Leaders Mobile App, just look under More > Locations to pull up the closest location. Or you can find your nearest location here!