We stand with you. Together, we move Forward as One™

Why Leaders?

Leaders Credit Union is a member-owned financial cooperative. This means that we exist to serve the needs of the consumers who own accounts at (or shares of) Leaders Credit Union. They are our owners, and their financial well-being is at the heart of every decision we make. We are one of the largest credit unions in West Tennessee, and one of the most stable. Our purpose is simple: to provide a sound, convenient alternative to traditional banking.

Our Mission

Our Mission is to provide the highest quality financial services at the lowest possible cost to our members while maintaining the safety and soundness of the credit union.

Our Vision

We will be recognized by our members as a leader in service excellence. Our focus will be on meeting the changing financial needs of members through partnerships with the individual member, families, and the community. We will become the financial institution of choice for the members we serve.

Our Core Values

Our team members who serve you are asked to adhere to a specific set of core values. These values should govern all decisions that are made when serving your needs as a member. These values are:

  • Be good: this value is listed first because it dictates the ability to achieve the ones that follow.
  • Show up: even on the days when doing so is tough, we believe that the simple act of arriving is a very important aspect of one’s character.
  • Work hard: “If it were easy, it wouldn’t be called work.” We ask our team members to give all they can toward serving our members.
  • Don’t quit: For over 60 years, our members have been loyal to us, and we ask our team members to return that kindness by delivering on their commitment to serve.

Awards & Recognition

Leaders Credit Union is the 155th Healthiest Credit Union in the U.S.

Each year DepositAccounts.com evaluates the financial health of every federally insured credit union in the United States – more than 6,600 total. Each institution is graded on a number of factors, including capitalization, deposit growth, and loan to reserve ratios, in order to determine a comprehensive health score. From the list of 6,600 credit unions, DepositAccounts.com recognizes those who have shown exceptional fiduciary responsibility in its 2015 edition of the Top 200 Healthiest Credit Unions in America.

This designation places Leaders Credit Union in the top 0.5% of all credit unions nationwide: a premier accolade and an indication that you can place ultimate trust in Leaders as your holistic financial solution.

Leaders was awarded by the Jackson Sun's Readers' Choice as the 2016 "Best Place to Bank" for the third consecutive year!

We want to thank all of our members who voted with the Jackson Sun's Readers' Choice Awards, because you chose us as the Best Place to Bank in 2015! We take service excellence very seriously, and your feedback has reaffirmed what we hope for every day: Leaders Credit Union truly is the best banking option for all West Tennesseans.

How strong is Leaders Credit Union?

We are ranked among the top ten strongest credit unions in Tennessee according to Callahan and Associates, a respected source of financial institution analysis and reporting.

In 2015, our independent internal auditor found that Leaders Credit Union has an excellent investment mix and that the balance sheet is very well planned. It was also noticed that there is very little risk to our balance sheet.

Independent rating agency Bauer Financial has given Leaders Credit Union multiple consecutive quarters of 5-star ratings. A five-star rating is the highest rating any financial institution can achieve. You may visit Bauer's web site to view our rating.

Independent rating agency Weiss Ratings gives Leaders Credit Union a rating of A-! This puts us in the elite credit unions nationwide and makes us one of the strongest credit unions in Tennessee! To view our ratings, visit Weiss Ratings.

The NCUA, an agency of the U.S. Government provides the insurance on members' accounts through the National Credit Union Share Insurance Fund (NCUSIF). To find out more about federal insurance for your credit union accounts, click here.

Our History

Located in Jackson, Tennessee, Leaders Credit Union was established in 1957 under the name Jackson-Madison County Teachers Credit Union. It was established to provide area teachers a convenient way to both save and borrow money.

In 1996, JMCTCU became Leaders Credit Union, to better reflect its expanded membership base which includes healthcare, communications and education.

With $300 Million in assets and over 40,000 members strong, Leaders continues to provide the most comprehensive products and services to its members.

  • 1957 Five Jackson educators gather in a local elementary school and decide to begin a credit union. Each teacher contributes $5 into a cigar box, and Mr. Paul K. Sutherland keeps a ledger. The Credit Union receives state approval and operates out of the school ticket booth.
  • 1971 The Credit Union receives articles of incorporation from the state.
  • 1979 Mr. Sutherland resigns as Manager. Jim Davenport resumes him. The Credit Union operates out of a house on Tucker Street in Jackson.
  • 1983 The members and board of the Jackson-Madison County General Hospital Employees' Credit Union vote to merge with the Credit Union.
  • 1985 The members and board of the Jackson Sun Employees' Credit Union vote to merge with the Credit Union.
  • 1990 Todd Swims, our current President and CEO, takes leadership of JMCTCU.
  • 1993 The Credit Union opens its first retail branch location at 90 Directors Row in Jackson.
  • 1996 Members approve a recommended name change from Jackson-Madison County Teachers' Credit Union to Leaders Credit Union. The name reflects a broadening field of membership in West Tennessee.
  • 1998 Leaders opens its largest branch location to date on Oil Well Road in Jackson. This banking center still accounts for the majority of our monthly transactions.
  • 2003 The members and board of CECO Employees' Credit Union vote to merge with the Credit Union.
  • 2007 Leaders celebrates its 50th anniversary. Shortly thereafter, the Credit Union reaches a major milestone by crossing $100 Million in assets.
  • 2010 The members and board of Porter Cable Employees' Credit Union vote to merge with the Credit Union.
  • 2011 The members and board of Peoples Choice Credit Union vote to merge with the Credit Union. This marks the first fixed asset merger for Leaders Credit Union, and our first expansion out of the Jackson market. Leaders continues to serve our members in Union City, Tennessee.
  • 2013 The members and board of Sears Federal Credit Union vote to merge with the Credit Union. This is our largest merger partnership to-date, and we now serve members in Bartlett, Tennessee.
  • 2017 Leaders celebrates 60 years of service in West Tennessee and reaches the milestone of 300 million in assets serving 40,000 members.

What is a Credit Union?

Socially-responsible finance

A credit union; you’ve heard of it, but do you really know what it is? Moreover, do you know the many benefits of being a member?

A credit union is a not-for-profit, cooperative financial institution that is owned and controlled by its members. In other words, it’s you and your family, your neighbors and the people with whom you work; the people you know. Credit unions exist to provide a safe, convenient place for their members to save money and to make a wide variety of loans to one another at reasonable rates.

In credit unions, the members are the owners. Their volunteer boards of directors oversee the credit union and approve policies elected by members. Benefits of ownership for members include better rates on deposits and loans and unsurpassed member service.

Regardless of their size or fields of membership, credit unions are different than for-profit financial institutions such as banks. Banks and other financial institutions exist to make a profit for their stockholders, not their customers.

Credit unions like Leaders exist to serve their members; they exist to serve YOU.

Meet our Board of Directors

Brilliant. Visionary. Volunteers.

Leaders Credit Union is governed by a voluntary board of directors who give generously of their time and talents to provide proper leadership for our staff and members.

Ron Hill, Chairman

Ron has served for the LCU Board for nearly two decades. He has served as Chairman and has held every committee and board position. He is the vice president of hospital services at the Jackson-Madison County General Hospital and is a registered respiratory therapist, with a both a Bachelors and Masters degree in health care administration. Ron attends Englewood Baptist Church and teaches an Adult Men’s Sunday School class. He also serves as the treasurer with the Jackson Downtown Lions Club.

“I have always felt that I had a calling upon my life to serve others. It is a pleasure to be able to do that both at work and at Leaders. The credit union has great members, great staff and great services.”

Eddie Hays, Vice Chairman

Mr. Hays holds a Bachelor of Science Degree from University of Tennessee Knoxville and a Master's of Education from University of Memphis. Mr. Hays served his country over 29 years as a member of the 194th Engineer Brigade National Guard Unit. Mr. Hays is retired from the Jackson-Madison County School System. He is married to Linda and has three children.

Currie Higgs

Mrs. Currie Higgs is Vice President/General Counsel for Jackson-Madison County General Hospital District. Mrs. Higgs received her B.A. from Northwestern University and her J.D. from the College of William and Mary, Marshall-Wythe School of Law. She is licensed in both Virginia and Tennessee, belongs to the usual organizations, and knows all the health care acronyms. She has two dogs and two cats, one of unusual size. Her husband is a very patient man.

Bart Teague

Mr. Teague has worked for West Tennessee Healthcare since 1991 and is currently the Executive Director of Patient Financial Services. He has a BS in Accounting from Union University and a Master of Business Administration from University of Tennessee.

Diane Kelley

Mrs. Kelley was educated at Union University and has an Associates degree in Nursing. She has 21 years of Nursing Management experience with 7 of those years as CEO of Extendicare of Western Tennessee. She was a Member of the Tennessee Association for Home Care. Mrs. Kelley resides in Jackson with her husband, Finis Kelley. She has one daughter, Julie Faulder.

Kirk Newcom

Kirk Newcom holds a Bachelor of Arts degree from Union University. Kirk has been involved in many Civic Organizations, which help the Jackson Community. Some of these organizations are The Exchange Club, Board Member for the Carl Perkins Child Abuse Center and PR Chair and the Legislative Chair for the Carl Perkins Boards. Kirk is married to Jeremie and has two children.

Dave Bratcher

Dave serves as President of The STAR Center. He was born and raised in Jackson, Tennessee, and graduated from The University of Tennessee at Martin earning a Bachelor of Science in Business Administration and from Bethel University earning a Master of Business Administration. Dave is an active member of the Jackson Rotary Club and leads a weekly men’s Bible study at his church. He is a graduate of WestStar regional leadership program and is a certified speaker, coach and trainer with the John Maxwell Team. Dave is a weekly columnist for The Jackson Sun. He and his wife, Julie, have two children.

Eddie Mae Pirtle

Eddie currently serves as a supervisor of instruction for the Jackson-Madison County School System. Over the past nine years she has been responsible for supervision of curriculum and instruction in elementary, intermediate and middle schools.

Prior to her current position, Eddie served the State of Tennessee Department of Education for over 23 years as a schoolteacher in various cities.

Eddie received her bachelor's of science degree in elementary education in 1971 from Tennessee State University and her master’s degree in administration/supervision from Trevecca Nazarene University in 1990.

She is a member of the National Education Association, Tennessee Education Association, Jackson-Madison County Education Association, Phi Delta Kappa Honorary Fraternity, Tennessee Council of Social Studies, Association of School and Curriculum Directors, International Reading Association, Delta Sigma Theta Sorority and Tennessee State University Alumni Association.


Everyone needs a financial champion.

Community Involvement

At Leaders Credit Union, we believe in giving back to the community. West Tennessee has been our home for over 60 years, and we are dedicated to strengthening the community that supports us. As a local, not-for-profit institution, Leaders Credit Union understands the importance of community support. We believe together, we can make a difference.

In addition to corporate and individual volunteerism, Leaders contributes nearly $100,000 per year back to the West Tennessee community for the purpose of reinvesting in non-profit organizations and charitable initiatives. These dollars and volunteer hours are directed by our Community Contribution Committee, consisting of members from our Senior Leadership Team. Our members also support various community non-profit organizations and charities through our donation-matching program, Lead with Caring.

If you would like to request a donation, sponsorship or volunteer participation from our staff, please fill our our Community Donation form.


Bank with West Tennessee's most successful credit union

Be a Member

Have you ever experienced the difference that membership at a credit union can make when it comes to your banking relationship? Do you live in West Tennessee and work in the fields of education, healthcare or communications? Or maybe you work at one of our Select Employee Groups? You may qualify as a member at Leaders Credit Union!

Leaders Credit Union is a member-owned financial cooperative. This means that we exist to serve the needs of the consumers who own accounts at (or shares of) Leaders Credit Union. They are our owners, and their financial well-being is at the heart of every decision we make. We are one of the largest credit unions in West Tennessee, and one of the most stable. Our purpose is simple: to provide a sound, convenient alternative to traditional banking.

Who can be a member at Leaders Credit Union?

Anyone living, working, worshipping, or attending school in Madison or Lake Counties in Tennessee and in certain parts of Gibson, Carroll, and Crockett Counties; employees working at one of our Select Employee Groups (SEGs); and employees or members of one of our Associational Groups are eligible for membership. Employees of businesses of less than 500 full-time employees in Obion county may also be eligible to join. Please call us at 731.664.1784 or 800.227.1893 or email us at loyalty@leaderscu.com to find out if you work at one of the SEGs or if you work at or are a member of one of the Associations.

How can I become a member?

Joining Leaders Credit Union is easy! Access our membership application. It only takes a couple minutes to complete. Questions? Call 731.664.1784 or 800.227.1893. You may also e-mail us at loyalty@leaderscu.com.



We stand with you. Together, we move Forward as One™

Work at Leaders Credit Union

Being a member at Leaders Credit Union is a great experience. Working at Leaders is even better. Be rewarded daily by celebrating financial wins with our world-class banking experts and become a money authority to help our fellow members.

Leaders is an Equal Opportunity Employer, and we prioritize diversity in our professional culture. Our salaries are very competitive, with many positions offering base plus performance incentives. We offer a broad benefits package for our full-time staff that includes paid vacation and sick-time, health and life insurance, and 401(k).

To learn more about our available positions and to begin your application, please enter our Careers Portal below.