5% Champion Rewards Interest Checking from Leaders

Checking with Interest

Our most rewarding checking account puts your money to work for you – every day.

More Rewarding Checking

Earning interest on your checking just got more rewarding! You can now earn up to 4.00% APY¹ with Champion Rewards Checking. All with no monthly fees, no minimum balance, and easy access to your money through our mobile app.

View Account Highlights

Is Champion Rewards Checking Right for You?

If you're looking to earn interest on your balance with no monthly fee, this is the spending account for you.

Wanting to earn money on the funds in your checking account?

Looking to get reimbursed for foreign ATM fees?

A frequent user of your debit card?

Looking for an account with unlimited deposits and withdrawals?

Willing to enroll in direct deposit and receive e-Statements to maximize your earnings?

Members Earn More

Better rates are your reward for membership.

Every member of Leaders Credit Union earns dividends. While the percentage varies from account to account, we share the wealth. Join today to make your money work for you – today and every day.

UP TO 4.00% APY 1

How Champion Rewards Checking Stacks Up

Our members earn more with a dividend that is more than 71X² the national average!

Earn up to 4.00% APY¹

Keep your money accessible while you earn dividends

4.00% APY 1

0.07% APY 2

Earn up to 4.00% APY¹

Complete at least 15 debit card transactions and one direct deposit per month and enroll in eStatements.

Unlimited deposits and withdrawals

Debit Mastercard® with no monthly fee

Highlights

The checking rewards you deserve with a Leader you can trust.

Access to 85,000 fee-free ATMs

No minimum balance to open an account

Earn up to 4.00% APY¹

Complete at least 15 debit card transactions and one direct deposit per month and enroll in eStatements.

Unlimited deposits and withdrawals

Debit Mastercard® with no monthly fee

Access to 85,000 fee-free ATMs

No minimum balance to open an account

Open Your Account Today

Enjoy higher interest on your balances

1. - APY = Annual Percentage Yield. See full disclosures at bottom of page.

Leaders is federally insured by NCUA.

Champion Rewards Checking

Balance Rate

Percent Earned

Balance Rate

$0.00 - $15,000

Percent Earned

4.00%

Balance Rate

$15,000.01 - $250,000

Percent Earned

2.00%

Balance Rate

$250,000 and over

Percent Earned

0.05%

Balance Rate

Unqualified Accounts

Percent Earned

0.05%

1. - APY = Annual Percentage Yield. See full disclosures at bottom of page.

Leaders is federally insured by NCUA.

Testimonials

What Our Members Are Saying About Leaders

Leaders Credit Union embodies exceptional service to their members, innovation in banking, and leadership in the community. My family knows that Leaders will always be there for us, whether buying a home, paying off a car, or building savings.

Luke Pruett

LeBonheur Children’s Hospital

Leaders Credit Union prides itself on supporting the local community and investing in members’ experience. Leaders is more than a financial institution — it’s family!

Maliah Harmon

Ingram Content Group

The personal service and care I receive from Leaders is second to none. Their outstanding online and mobile presence makes banking easier for me and my often-times hectic lifestyle. At the end of the day, I know they have my best interests in mind.

Jason A. Sykes

Bartlett City Schools

Your financial champion was fantastic in opening an account for my oldest daughter. He took the time to answer all the questions we had about the process, even the bonus ones thrown his way by my other kids. I cannot say enough great things about Leaders and how thankful I am bank with you!

Amanda D. Stewart

Future Leader Savings

Our experience in getting a HELOC from Leaders was awesome! We were able to complete the paperwork and get it funded very quickly. Once it was funded, we were able to move money from that account into our checking account, all through the Leaders mobile app.

Dave Bratcher

YMCA of West Tennessee

Frequently Asked Questions about
Checking Accounts

Can I open a checking account online?: Yes. You can join Leaders Credit Union and open your new checking account online in just a few minutes.

Can I deposit checks on my phone?

Yes, our mobile app is available to all members for quick deposits. Simply open the mobile app and follow these steps:

Tap the “Deposit Checks” banner on the home screen.
Add the amount of your check and choose your account to deposit it.
Endorse your check according to the in-app instructions.
Take pictures of the front and back of your check.
Wait for confirmation that your deposit has been completed.
Securely store or shred your check.

What are the requirements to earn dividends with Champion Rewards Checking?

There are three requirements:

You must have at least one direct deposit per month
Complete 15 transactions with your debit Mastercard® per month
Enroll in eStatements

See full disclosures at bottom of this page.

How can I stop a charge on my debit card?: For recurring charges, you should contact the vendor to make alternative payment arrangements. Once a transaction is approved and pending, we cannot reverse it. Keep in mind that canceling your card and getting a new one may not stop recurring charges.

If I don't meet the monthly requirements do I still earn interest?: Yes. Even if monthly requirements are not met, account earns 0.05% APY.

Disclosures

1. - APY = Annual Percentage Yield. Not all applicants will qualify. Subject to membership in good standing and no inquiries from other financial institutions. To qualify for 4.00% APY, member must have at least one direct deposit per month, be enrolled in e-Statements, and complete 15 transactions with their Leaders debit Mastercard each month. 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 $15,000 for qualified accounts will earn 2.00% APY up to a limit of $250,000. For full disclosures, please access our Consumer Rates Disclosure.

2. - Based on the national APY average on checking accounts that earn interest according to Forbes as of 03/05/2024.

3. - For more information on our Overdraft Services, please login to Online Banking and look under "Web Forms" or the Leaders Mobile App under the "More" menu.

More rewarding checking

You'll be driving in no time

The branch in the palm of your hand

Guiding You on your Financial Journey

Become a Member Today

Checking with Interest

More Rewarding Checking