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Rates

Achieve More with Better Rates

Leaders’ members enjoy lower loan rates and fees and higher returns on their deposits, because we’re here to give you what you need to lead yourself to a bright future.

Low Rates and High Returns

Product
APR¹
(as low as)
Terms Up To
Product
Auto Loans
Motorcycle & ATV Loans
Boat & RV Loans
Rapid Refi Auto Loan
APR¹
(as low as)
2.99%
6.19%
5.68%
2.99%
Terms Up To
96 Months
84 Months
144 Months
Additional 6 Months
Product
APR¹ (as low as)
Terms Up To
Product
Personal Loans
Debt Consolidation
APR¹ (as low as)
6.99%
5.99%
Terms Up To
60 Months
84 Months
Product
APR¹ (as low as)
APR¹ (up to)
Rewards
Product
Compass Rewards
Compass Black
Compass Business
APR¹ (as low as)
11.65%
16.65%
Competitive
APR¹ (up to)
22.65%
25.65%
Competitive
Rewards
1 point per $1 spent
2% cash back
2% cash back
Product
APR¹ (as low as)
Terms Up To
Product
HELOC
APR¹ (as low as)
2.99%
Terms Up To
15 Years
Product
APR¹ (as low as)
Terms Up To
Product
Student Loans
APR¹ (as low as)
4.59%
Terms Up To
15 Years
Product
APR¹ (as low as)
Product
WSJ Prime
APR¹ (as low as)
4.75%
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$0.00 - $9.99
$10.00 - $2,499.99
$2,500.00 - $4,999.99
$5,000.00 and over
Dividend Rate
none
0.05%
0.10%
0.10%
Annual Percentage Yield
0.00%
0.05%
0.10%
0.10%
Minimum Opening Balance
$10.00
$10.00
$10.00
$10.00
Minimum to Earn Dividends
$10.00
$10.00
$10.00
$10.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$0.00 - $9.99
$10.00 - $2,499.99
$2,500.00 - $4,999.99
$5,000.00 and over
Dividend Rate
none
0.05%
0.10%
0.10%
Annual Percentage Yield
0.00%
0.05%
0.10%
0.10%
Minimum Opening Balance
$0
$10.00
$10.00
$10.00
Minimum to Earn Dividends
$10.00
$10.00
$10.00
$10.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
Christmas & Vacation Club Accounts
Dividend Rate
0.25%
Annual Percentage Yield
0.25%
Minimum Opening Balance
$0
Minimum to Earn Dividends
$0
Dividends Earned
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$0.00 - $4,999.99
$5,000.00 - $9,999.99
$10,000 - $24,999.99
$25,000 and over
Dividend Rate
1.00%
0.75%
0.25%
none
Annual Percentage Yield
1.00%
0.75%
0.25%
0.00%
Minimum Opening Balance
$25.00
$25.00
$25.00
$25.00
Minimum to Earn Dividends
$0
$0
$0
$0
Dividends Earned
Monthly
Monthly
Monthly
Monthly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$0.00 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 and over
Dividend Rate
0.05%
0.25%
0.50%
0.75%
Annual Percentage Yield
0.05%
0.25%
0.50%
0.75%
Minimum Opening Balance
$25,000.00
$25,000.00
$25,000.00
$25,000.00
Minimum to Earn Dividends
$25,000.00
$25,000.00
$25,000.00
$25,000.00
Dividends Earned
Monthly
Monthly
Monthly
Monthly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$0.00 - $500.00
$500.01 - $4,999.99
$5,000.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 and over
Dividend Rate
4.89%
1.00%
0.75%
0.25%
0.00%
Annual Percentage Yield
5.00%
1.00%
0.75%
0.25%
0.00%
Minimum Opening Balance
$10.00
$10.00
$10.00
$10.00
$10.00
Minimum to Earn Dividends
$0
$0
$0
$0
$0
Dividends Earned
Monthly
Monthly
Monthly
Monthly
Monthly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$0.00 - $15,000.00
$15,000.01 and over
Unqualified Accounts
Dividend Rate
1.99%
0.20%
0.05%
Annual Percentage Yield
2.00%
0.20%
0.05%
Minimum Opening Balance
$0
$0
$0
Minimum to Earn Dividends
$0
$0
$0
Dividends Earned
Monthly
Monthly
Monthly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Monthly Fee
Balance to Waive Fee
Product
Leading Edge Checking
Stability Checking
Dividend Rate
0.75%
0.10%
Annual Percentage Yield
0.75%
0.10%
Minimum Opening Balance
$500
$100
Monthly Fee
$12
$7
Balance to Waive Fee
$10,000
$5,000
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
18 Month Certificate Special
13 Month Certificate Special
9 Month Certificate Special
Dividend Rate
1.99%
1.64%
1.24%
Annual Percentage Yield
2.00%
1.65%
1.25%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Monthly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.30%
0.30%
0.30%
0.30%
Annual Percentage Yield
0.30%
0.30%
0.30%
0.30%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
At Maturity
At Maturity
At Maturity
At Maturity
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
1.24%
1.24%
1.24%
1.24%
Annual Percentage Yield
1.25%
1.25%
1.25%
1.25%
Minimum Opening Balance
$3,000.00
$3,000.00
$3,000.00
$3,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.40%
0.40%
0.40%
0.40%
0.40%
Annual Percentage Yield
0.40%
0.40%
0.40%
0.40%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
At Maturity
At Maturity
At Maturity
At Maturity
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.50%
0.50%
0.50%
0.50%
Annual Percentage Yield
0.50%
0.50%
0.50%
0.50%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.60%
0.60%
0.60%
0.60%
Annual Percentage Yield
0.60%
0.60%
0.60%
0.60%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.70%
0.70%
0.70%
0.70%
Annual Percentage Yield
0.70%
0.70%
0.70%
0.70%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.80%
0.80%
0.80%
0.80%
Annual Percentage Yield
0.80%
0.80%
0.80%
0.80%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.80%
0.80%
0.80%
0.80%
Annual Percentage Yield
0.80%
0.80%
0.80%
0.80%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
18 Month IRA Special
Dividend Rate
1.98%
Annual Percentage Yield
2.00%
Minimum Opening Balance
$1,000.00
Minimum to Earn Dividends
$1,000.00
Dividends Earned
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.50%
0.50%
0.50%
0.50%
Annual Percentage Yield
0.50%
0.50%
0.50%
0.50%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.60%
0.60%
0.60%
0.60%
Annual Percentage Yield
0.60%
0.60%
0.60%
0.60%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.70%
0.70%
0.70%
0.70%
Annual Percentage Yield
0.70%
0.70%
0.70%
0.70%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.80%
0.80%
0.80%
0.80%
Annual Percentage Yield
0.80%
0.80%
0.80%
0.80%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
$1,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and over
Dividend Rate
0.80%
0.80%
0.80%
0.80%
Annual Percentage Yield
0.80%
0.80%
0.80%
0.80%
Minimum Opening Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Minimum to Earn Dividends
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Dividends Earned
Quarterly
Quarterly
Quarterly
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
Share IRA
Dividend Rate
0.25%
Annual Percentage Yield
0.25%
Minimum Opening Balance
$0
Minimum to Earn Dividends
$0
Dividends Earned
Quarterly
Product
Dividend Rate
Annual Percentage Yield
Minimum Opening Balance
Minimum to Earn Dividends
Dividends Earned
Product
WealthBuilder IRA Money Market
Dividend Rate
0.30%
Annual Percentage Yield
0.30%
Minimum Opening Balance
$0
Minimum to Earn Dividends
$0
Dividends Earned
Monthly
How Do I Become a Member?
01
Apply for Membership
Apply online or in-person at one of our convenient branch locations.
02
Enjoy the Benefits
Great rates, friendly service, and free tools to guide you on your financial journey.
03
Achieve Financial Freedom
We are absolutely happy to help move your goals forward.
Consumer Rates and Service Charges Disclosure
Consumer Rates and Service Charges Disclosure
Business Rates and Services Charges Disclosure
Business Rates and Services Charges Disclosure
Funds Federally Insured Disclosure
Funds Federally Insured Disclosure
Privacy Notice
Privacy Notice

Disclosures

1. - APR = Annual Percentage Rate. Credit criteria applies and not all applicants will qualify. For full disclosures, please visit the desired loan product's page.

2. - APY = Annual Percentage Yield. Not all accountholders will qualify and eligibility criteria may apply. For full disclosures, please access our Rates & Service Charges Disclosures for consumers or business.