Banking

No one cares more than we do. No one benefits more than you do.

Bank online

Your financial household in one convenient, secure spot.

When you use Leaders online banking services, all of your accounts and loans will be automatically listed for you to view. Along with viewing your account balances, you can view transaction histories, make transfers between some accounts and even see which checks have cleared. You may now also pay your monthly loan payment from another bank, and send and receive money from friends and families or transfer funds between Leaders and your other bank accounts.

If you're a new member, your account information should have been provided to you at your account opening if you opened your membership in-branch. If you opened your membership online or at an enrollment, your account information will be mailed to you (or emailed, depending on your preference). If you have not received that information, you will need to wait to receive it or call us to receive your account information over phone.

To login to online banking, click the login button in the upper right hand corner of the page.

Pay bills

Stamps and papercuts are now in your past.

Leaders Credit Union is proud to offer online bill payment service to its checking members at no cost. Our online bill pay service is a convenience that we extend to our members in our Simply Free, Member Protection, Member Rewards and Student eSpend account holders. Bill pay is a service you must register for and qualify to receive. Registration is as simple as logging into your account and confirming a few brief details about yourself, and we typically qualify our members within 24 hours of registration.

Our online bill pay is composed of both electronic and paper check payments. Please note that while many of your billers may receive payments from us electronically, there are some that will receive a paper check, and payment times may be extended. Please ensure that your payment is posted with enough advance to ensure no late fees are incurred.

PLEASE NOTE: Your account must meet certain criteria in order to be approved for use with our online bill payment software. This criteria includes, but is not limited to, length of account ownership and membership, prior account activity and presence of account abuse, and credit history. Leaders Credit Union reserves the right to revoke access to its online bill payment software if it deems the user a fraud risk. If you have questions regarding the status of your application, please contact us at memberserv@leaderscu.com.

Mobile Banking

Skip the branch. Press play on life.

Mobile Apps

Tap into intuitive features optimized for your smartphone. Our mobile apps are the most robust solution for managing your finances anytime, anywhere. Here are some things you can do using our apps:

  • Check available balances
  • View transaction history
  • Transfer funds between accounts
  • Pay bills using your Leaders checking account
  • Deposit checks
  • Pay at merchants using Apple Pay® (if using a compatible Apple device)
  • Pay at merchants using Android Pay® or Samsung® Pay!
  • Find nearest branches and ATMs
  • Take advantage of digital debit card coupons through Leaders Purchase Rewards program.

Biometric Login

Members can now authenticate our iOS and Android mobile apps using Touch ID® fingerprint recognition and Eyeprint ID® retinal recognition. These convenient alternatives to the traditional password are also quicker and more secure, making your mobile banking experience better than ever before.

Mobile Web

Get fast, secure access to your finances through the Web browser on your mobile device.

Use any device with Internet access to:

  • Check account balances
  • View transaction histories
  • Pay bills
  • Cancel pending bill payments
  • View bill payment histories

Mobile Check Deposit

Save time and fuel by skipping the branch. If you have downloaded our app from your app marketplace, it's as easy as:

  • TAP: tap on the "Deposit Checks" banner on the home screen of our app, then add the amount of your check and the location where you'd like to make a deposit.
  • SNAP: take a picture of the front and back of your check. Our app will provide instructions on how to endorse your check and capture a proper image.
  • DEPOSIT: deposit your check, and wait for a confirmation email to notify you that your funds have been deposited. Securely store or shred your check.

PLEASE NOTE: Your account must meet certain criteria in order to be approved for use with our mobile check deposit software. This criteria includes, but is not limited to, length of account ownership and membership, prior account activity and presence of account abuse, and credit history. Leaders Credit Union reserves the right to revoke access to its mobile check deposit software if it deems the user a fraud risk. If you have questions regarding the status of your application, please contact us at memberserv@leaderscu.com.

Apple Pay®

Your wallet. Without the wallet.

Leaders Credit Union has integrated with Apple Pay®, a new category of service that will transform mobile payments with an easy, secure and private way to pay. Apple Pay® combines Apple's seamlessly integrated hardware, software and services to create a unique, incredibly intuitive and elegant experience.

This combination keeps payment information protected, so when adding a card with Apple Pay®, the actual credit and debit card numbers are not stored on the device, nor on Apple servers, and cashiers won't see names, credit card numbers or card security codes. Apple Pay® is easy to set up and users will continue to receive all of the rewards and benefits offered by their credit and debit cards.

In participating stores, Apple Pay® will work with iPhone 6, iPhone 6 Plus and Apple Watch. Within apps, Apple Pay® is compatible with iPhone 6 and iPhone 6 Plus.

Apple Pay® is here.
If you have added other bank debit or credit cards to your Wallet, the process is the same. You will simply add a card into Wallet, enter your verification information, and be prompted on next steps.

In order to add your card without calling for verification, we recommend the following steps in advance of our launch:
  • If you have not already done so, add your Leaders payment card(s) to your iTunes account
  • Ensure that your iTunes billing and mailing addresses match those of your payment card(s)
  • Apple Pay® is compatible with iPhone 6/6 Plus and forward and iPhone 5 and forward (with an Apple Watch) at the point of sale, iPhone 5S, iPad Air, and iPad Mini 2 and forward for online and in-app purchases
  • Look for the contactless and Apple Pay® symbol at the register
  • Hold your device near the reader and authenticate as prompted
  • Keep your device near the contactless reader until it beeps and your device beeps/vibrates to indicate a successful payment
Apple Pay® is a very secure method of payment, because it uses one-time-use tokens, rather than your card number. Once your transaction processes, the token is no longer valid, protecting your account from data breaches. Apple Pay® also takes advantage of Touch ID, so that your fingerprint acts as your PIN. Finally, if you lose your device, Find My iPhone allows you to recover or wipe your device from any browser.
This service is completely free to you as a member of Leaders Credit Union. In some instances, carrier data charges may apply.
If you have questions regarding Apple Pay or need to complete card verification, we encourage you to contact us at 800.227.1893. One of our Member Service Representatives can assist you quickly.

Android Pay®

Pay your way.

Leaders Credit Union is proud to announce that Android Pay and Samsung® Pay are now available for our debit MasterCard carrying members. We plan to release this service for our Platinum VISA® within the next 30 days. Learn more about how to set your card(s) up in your digital wallet by clicking below.

Tap. Pay. Done.
Android Pay® is the new way to pay with your smartphone, offering simplicity, security and choice. Simply unlock your phone and place it near a contactless terminal, and your payment is complete.
Yes. When you use Android Pay, your Leaders debit MasterCard or Platinum VISA® card number isn't stored on your phone or given to the merchant. A unique virtual account number is created specifically for that card on that device. You still enjoy all the benefits of your Leaders credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.
Android™ device with OS KitKat or higher
Google™ account
Screen lock enabled
First, download the Android Pay app from the Google Play™ Store. If your Leaders card is already linked to your Google account, you can simply add it to the Android Pay app by confirming a few details. To add a new card, it’s as simple as snapping a picture.
  1. Unlock your device (no need to open the app).
  2. Hold the back of your device near a contactless payment terminal.
  3. Your phone will beep or vibrate, and you’ll receive a confirmation on-screen letting you know the payment was made.
Android Pay is accepted by more than a million stores across the United States. Stores include McDonalds®, Best Buy®, Office Depot®, Walgreens® and many, many more.

Person to Person Payment®

As easy as sending a text.

Need to pay the babysitter, collect rent, or split the meal check? No need to write a check, visit the ATM or exchange account numbers with our new electronic payment system POP Money. Pop Money is a safe, secure and easy way to transfer funds using accounts and technology you already love. Members need only a mobile number or email address to exchange funds for free. Person to Person Payments allows you to use your existing checking or savings account and your existing online banking account to move money to anyone, anywhere without a fee. The member's 'payee' simply receives the message and accepts the payment into the account of their choice, and the transaction has similar processing times to a check clearing. Access Person to Person Payments by logging into your Leaders app, select "More," then select "Popmoney" from the menu bar and follow the prompts.

Convenient. Safe. Easy.

Checking

We never forget: it's your money.

Account Description Overdraft Monthly Fee
Simply Free Our basic account, with no interest yield and no benefits. Read more Yes No Apply
Member Protection A premium account offering ATM fee refunds, insurance coverage and ID theft restoration. Read more Yes $4.95 Apply
Member Rewards A premium account with a high-interest yield and ATM fee refunds. Read more No No Apply
Student eSpend Part of our Launchpad for students, a free account with online/mobile access and no checks. Read more No No Apply

Simply FREE Checking

Our Simply Free Checking account offers you:

Member Protection Checking

Our Member Protection Checking account offers you:

  • Identity Theft restoration through Identity Theft 911™
  • $10,000 additional Accidental Death and Dismemberment Insurance
  • Additional Pharmacy, Vision, and Travel Benefits
  • LifeSteps™ Online Living Will Software
  • 3 "Out of Network" (foreign) ATM use refunds upon request
  • Unlimited access to Leaders’-owned ATMS
  • We encourage the convenience of direct deposit. Download our simple Payroll Authorization form.

Bundle your services and SAVE! Purchase separately, these benefits cost more than $20 per month. At $4.95 per month, you can protect what you value most.

Member Rewards Checking

With our Member Rewards Checking*, you earn dividends on your money while maintaining the flexibility of withdrawing it. This account:

  • Earns 2.02% APY* if you complete 15 debits per month using your debit MasterCard™, are enrolled in eStatements, and have at least one direct deposit per month.
  • Reimburses up to $15 per month in foreign ATM fees.
  • Unlimited deposits and withdrawals
  • No minimum to open account
  • We encourage the convenience of direct deposit. Download our simple Payroll Authorization form.

*APY = Annual Percentage Yield. Not all applicants will qualify. Subject to membership in good standing and no inquiries from other financial institutions. If monthly requirements are not met, account earns 0.05% APY. Debits must post during calendar month to receive high interest yield. ATM fee refund cap of $15 per month. Deposits over $25,000 for qualified accounts will earn 0.20% APY. Please ask to see a Rate and Fee Disclosure for more details.

View Member Rewards checking Rates

Student Checking Accounts

  • For Members Ages 15-25*
  • No Monthly Fee and No Minimum Balance
  • Free MasterCard Debit Card
  • Free gift with account opening
  • $10.00 membership fee is waved
  • $25.00 deposit into savings is required to hold membership (refunded upon account closure)
  • We encourage the convenience of direct deposit. Download our simple Payroll Authorization form.

Get more information.

*Must be currently enrolled in an education program

NOTE: Any LCU member age 15 or over may open a checking account; Members under age 18 must have a parent or legal guardian as joint owner.

Direct Deposit

Put your paycheck on auto-pilot.

Direct deposit is one of the most convenient options that we offer to our members. If you want quick access to your paycheck or government support, but don't want the hassle of visiting a branch on your payday, direct deposit is a great fit. Simply provide your employer with our routing number and your account information, and we handle the rest! If you already have an account at Leaders, our routing number is 284383886.

Savings

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

  • Account
  • Description
  • Prime Share
  • A basic membership savings required of all members.
  • View Rates
  • Apply
  • Side Share
  • A basic savings used as an add-on for miscellaneous use.
  • View Rates
  • Apply
  • Club Shares
  • A dedicated account for holidays and vacations, with restricted access and a higher yield.
  • View Rates
  • Apply
  • Platinum Shares
  • A premium account with restricted access, a minimum to earn and a higher yield.
  • View Rates
  • Apply
  • Rate Flex
  • A money-market account with a minimum to earn and a higher yield.
  • View Rates
  • Apply
  • Student eSavings
  • The smart account that pays BIG on small balances.
  • View Rates
  • Apply

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
  • Apply
  • High Altitude Certificate
  • A 42-month certificate with an increasing rate and no early withdrawal penalty.
  • $10,000
  • 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.

Borrowing

Standing with your household's needs. Standing behind your purchases.

Loans & Lines of Credit

Whatever you need, Leaders helps you get it.
Loan Description Max. Term
Auto For cars, trucks, vans and SUVs. Up to 115% financing and preapprovals available. Learn more . 75 mos Apply
Motorcycle, Boat & ATV For motorcycles, watercraft and off-road vehicles. Up to 115% financing available. 72 mos Apply
RV For recreational vehicles and campers. 120 mos Apply
Leaders VISA® Our no-compromises Platinum and Platinum Rewards VISA® credit card. n/a Apply
Commercial Business real estate and equipment purchases. Lines of credit also available. n/a Apply
Student Choice Fund the gaps that scholarships and Federal aid leave behind. Learn more. 120 mos Apply
Personal Loans Finance any purchase or prepare for unexpected emergencies. Lines of credit also available. 48 mos Apply
Share-Secured Use your own deposits as collateral, and enjoy a low interest rate. n/a Apply
*APR=Annual Percentage Rate. Offer and rate applies only to new balance transfers. Fixed-rate for life refers to life of current Leaders VISA® credit card. Must be a current Leaders Credit Union member in good standing with no delinquencies and/or charge-offs. Leaders VISA® Platinum and Platinum Rewards credit card subject to credit application and approval. Not all applicants will qualify. Applicants under age 21 may require a co-applicant.

Auto Loans

Leaders keeps you rolling with a convenient online application process, flexible terms and industry-low rates. You can even finance at local dealerships if you choose one of our partners. We're ready to help you make smart financial decisions.

  • Borrow for cars, trucks, vans, SUVs, motorcycles, ATVs, watercraft, and RVs
  • Terms up to 72 months (120 months for RV)
  • Finance up to 115% of the vehicle's value
  • Debt Protection, Guaranteed Asset Protection and Warranties are available for purchase and may be included in the financing of your purchase, if qualified

Leaders Platinum VISA® Credit Card

When it comes to your spending, no other provider cares more than we do.


Platinum Rewards VISA®
  • 0% introductory APR* for 6 months with No Annual Fees
  • No Minimum Finance Charge
  • Be rewarded for making everyday purchases: points, merchandise, or even cash back with CU Rewards!
  • Take advantage of member rewards when you sign up for new credit union products
  • Enjoy a low ongoing interest rate between 10.40% APR and 18% APR.
  • No Transaction Fee for Purchases or Balance Transfers
  • 7.99% APR* on balance transfers for life, with no balance transfer fees!
Interested in receiving cash back from your Leaders Platinum Rewards VISA credit card? Simply contact us or visit one of our branches and request a cash back credit on your reward points. You can receive a credit in your checking or savings account, usually same-day!

Platinum VISA®
  • No Annual Fees
  • No Minimum Finance Charge
  • Enjoy a low interest rate. Shop our competition and see!
  • No Transaction Fee for Purchases or Balance Transfers
*APR = Annual Percentage Rate. 0% on New Accts for introductory period of 6 months (purchases and balance transfers). ˆAfter introductory period, 7.99% APR applies, to all balances transferred and not repaid during the introductory period, until repayment. After introductory period, 10.40%-18.00% APR applies to all purchases and subsequent balance transfers. Subject to membership and credit approval. Not all applicants will qualify. Rate may vary based on creditworthiness.

Consolidation Loans

Having one loan at Leaders is good. Having them all here is much better.

We exist to serve your needs. Part of that service is making sure that when you repay your debts, you spend the least amount possible in interest. When you have loans or credit cards with other providers, and you have repaid those loans on-time, we can help you consolidate or refinance them into Leaders loans. Here are some ways we can help:

  • Consolidation loans (plastic surgery): refinance your home or auto and include debts from other providers, reducing your rate or shortening your term to repayment. We also offer signature loans to consolidate other debts.
  • Rapid Refi: if you have at least 12 on-time auto repayments, Leaders will refinance your loan and either reduce your monthly payment or shorten the length of your loan.
  • Balance transfers: transfer your existing balance on a competing credit card to a Leaders Platinum VISA® and pay no balance transfer fees. We also guarantee 7.99% APR* for the life of the transfer repayment.

Debt Protection

Help play it safe.

Whether you're taking out a loan to make home improvements or buying a vehicle, it can be a financial gamble because things happen…life happens. Help play it safe with Debt Protection, a voluntary loan-payment protection product. Debt Protection helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

Over 60% of members ages 25-40 are concerned with how they will support themselves if they become disabled.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Debt Protection will cancel or waive your loan payment(s), up to the contract maximums. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Email or call the Leaders Loyalty team at 800.227.1893 ext. 253 and ask about protecting your loans, today.

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

Student Loan

An Educated Choice in 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.

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

Graduate Auto Loans

Road Trips Always Start with the Best Intentions.

When trying to buy a car, people with limited credit typically ride the catch-22 wheel of shame. No credit history? Sorry, no car loan. No car loan? Sorry, no credit history. Stop the madness! Your Leaders Graduate Auto Loan will give you credit where credit is due.

We'll look at what you have done, not what you haven't. Then we'll help you get flexible terms, a competitive rate, and the chance to build a positive credit history.

Here's the lowdown for college grads:
  • To qualify for our college graduate auto loan, you must have a Bachelor's or graduate degree from a four-year accredited college or university.
  • When you apply, have your degree and/or transcript, and proof of income (like a paystub) or a commitment letter from your employer.
  • No co-borrower or guarantor required (was that a sigh of relief we just heard?)
  • Minimum Loan Amount: $5,000
  • Maximum Loan Amount: $25,000 on an individual basis (meaning no co-signer)
  • Terms up to 72 months
  • Only 10% down payment required (that's way less than the other guys)
  • Funding up to 90%* of NADA Retail Value
  • We will finance vehicles that are new and used vehicles up to 7 years old
  • Fast and convenient approval (apply online 24/7)
  • You gotta have a checking account with Leaders.

If you're a high school grad and you're already in the workplace, you know how important it is to be able to drive.  We won't let your lack of credit stop you.

Here's what high school grads need to know:
  • To qualify for our high school graduate auto loan, you must be at least 18 years old and be a high school graduate with a degree.  You must have had a full-time job (32 hours a week or more) for the past 6 months.
  • When you apply, have your degree and/or transcript, and proof of income (like a paystub) or a commitment letter from your employer.
  • No co-borrower or guarantor required (was that a sigh of relief we just heard?)
  • Fixed interest rate of 8.99% APR
  • Minimum Loan Amount: $5,000
  • Maximum Loan Amount: $12,500 on an individual basis (meaning no co-signer)
  • Terms up to 60 months if loan amount is $7,500 or more, and up to 48 months if $7,500 or less.
  • 5% minimum down payment
  • Funding up to 100%* of NADA Retail Value
  • We will finance vehicles that are new and used vehicles up to 10 years old
  • Fast and convenient approval (apply online 24/7)
  • You gotta have a checking account with Leaders.

To get started on the right foot and get one step closer to your brand new car, apply online and take our "Credit Matters" mini-course.

*Includes sales tax, license and warranty

**APR = Annual percentage rate. Includes a ¼ percentage point discount for payment through automatic transfer from a Leaders checking account. The monthly payment for a $12,500 Leaders auto loan at 8.99% APR for 72 months would be $202.73.

*** Payments are considered “on time” when they are made within 30 days of the loan's due date.

GreenPath Financial Eduation

Your Path to a Bright Financial Future begins here

With GreenPath, you have free access to money management and financial education services.

GreenPath is a non-profit company that partners with you to achieve your financial goals.

You can receive assistance with:

PLEASE NOTE: Leaders Credit Union does not claim ownership of GreenPath, Inc. or its content. Leaders Credit Union is not responsible for the content provided on greenpath.com and should not be held liable for any incorrect or misleading information provided. By clicking the links above, you are visiting a third party website and should exercise caution.