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
- Loans
- Savings
- Checking
- Certificates
- IRAs
| Product | APR1 (as low as) | Terms up to |
|---|---|---|
| Auto Loans | 4.99% | 96 months |
| Motorcycle & ATV Loans | 9.29% | 84 months |
| Boat Loans | 9.49% | 144 months |
| RV Loans | 8.54% | 180 months |
| Product | APR1 (as low as) | Terms up to |
|---|---|---|
| Personal Loans | 10.24% | 60 months |
| Debt Consolidation | 9.24% | 84 months |
| Share-Secured Loan | 2.10% | 144 months |
| Product | APR1 (as low as) | APR1 (up to) |
|---|---|---|
| Compass Rewards | 13.15% | 25.15% |
| Compass Black | 21.15% | 27.15% |
| Compass Business | Competitive | Competitive |
| Product | APR1 (as low as) | Terms up to |
|---|---|---|
| HELOC | 6.99% | 15 Years |
| Product | APR1 (as low as) |
|---|---|
| WSJ Prime | 8.50% |
- First Forward (Prime) Savings
- Fast Forward Savings
- Forward Plus High Yield Savings
- Future Leader Savings
- Christmas & Vacation Club
- Side Savings
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $0.00 - $9.99 | None | 0.00% | $10 | $10 | Quarterly |
| $10.00 - $2,499.99 | 0.05% | 0.05% | $10 | $10 | Quarterly |
| $2,500 - $4,999.99 | 0.10% | 0.10% | $10 | $10 | Quarterly |
| $5,000 and over | 0.10% | 0.10% | $10 | $10 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $0.00 - $4,999.99 | 4.89% | 5.00% | $25 | $0 | Monthly |
| $5,000 - $9,999.99 | 1.98% | 2.00% | $25 | $0 | Monthly |
| $10,000 - $24,999.99 | 0.25% | 0.25% | $25 | $0 | Monthly |
| $25,000 and over | None | 0.00% | $25 | $0 | Monthly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| Forward Plus High Yield | 4.18% | 4.25% | $0 | $0 | Monthly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $0.00 - $500.00 | 4.89% | 5.00% | $10 | $0 | Monthly |
| $500.01 - $4,999.99 | 1.00% | 1.00% | $10 | $0 | Monthly |
| $5,000 - $9,999.99 | 0.75% | 0.75% | $10 | $0 | Monthly |
| $10,000 - $24,999.99 | 0.25% | 0.25% | $10 | $0 | Monthly |
| $25,000.00 and over | 0.00% | 0.00% | $10 | $0 | Monthly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| Christmas & Vacation Club | 0.25% | 0.25% | $0 | $0 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $0.00 - $9.99 | None | 0.00% | $0 | $10 | Quarterly |
| $10.00 - $2,499.99 | 0.05% | 0.05% | $10 | $10 | Quarterly |
| $2,500.00 - $4,999.99 | 0.10% | 0.10% | $10 | $10 | Quarterly |
| $5,000.00 and over | 0.10% | 0.10% | $10 | $10 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|
| $0.00 - $15,000 | 4.89% | 5.00% | $0 | Monthly |
| $15,000.01 - $250,000 | 2.96% | 3.00% | $0 | Monthly |
| Unqualified Accounts | 0.05% | 0.05% | $0 | Monthly |
| $250,000 and over | 0.05% | 0.05% | $0 | Monthly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance |
|---|---|---|---|
| Leading Edge Checking | 0.75% | 0.75% | $500 |
| Stability Checking | 0.10% | 0.10% | $100 |
- Certificate Specials
- 3-Month Certificate
- Money Market Certificate
- 6-Month Certificate
- 12-Month Certificate
- 24-Month Certificate
- 36-Month Certificate
- 48-Month Certificate
- 60-Month Certificate
- Business Term Share Certificate
| Product | Terms up to | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|---|
| 11-Month Certificate Special | 4.65% | 4.75% | $1,000 | $1,000 | Monthly | |
| 24-Month Forward Flex | 24 Months | 4.40% | 4.50% | $1,000 | $1,000 | Monthly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 0.30% | 0.30% | $1,000 | $1,000 | At Maturity |
| $25,000 - $49,999.99 | 0.30% | 0.30% | $1,000 | $1,000 | At Maturity |
| $50,000 - $99,999.99 | 0.30% | 0.30% | $1,000 | $1,000 | At Maturity |
| $100,000 and over | 0.30% | 0.30% | $1,000 | $1,000 | At Maturity |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 1.24% | 1.25% | $3,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 1.24% | 1.25% | $3,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 1.24% | 1.25% | $3,000 | $1,000 | Quarterly |
| $100,000 and over | 1.24% | 1.25% | $3,000 | $1,000 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 2.48% | 2.50% | $1,000 | $1,000 | At Maturity |
| $25,000 - $49,999.99 | 2.48% | 2.50% | $1,000 | $1,000 | At Maturity |
| $50,000 - $99,999.99 | 2.48% | 2.50% | $1,000 | $1,000 | At Maturity |
| $100,000 and over | 2.48% | 2.50% | $1,000 | $1,000 | At Maturity |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 2.97% | 3.00% | $1,000 | $1,000 | Quarterly |
| Terms up to | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|
| 60 months | 3.00% | $1,000 | $1,000 | Quarterly |
- 12-Month IRA
- 24-Month IRA
- 36-Month IRA
- 48-Month IRA
- 60-Month IRA
- Share IRA
- WealthBuilder IRA Money Market
- IRA Special
| Product | Terms up to | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 12 | 0.50% | 0.50% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 12 | 0.50% | 0.50% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 12 | 0.50% | 0.50% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 12 | 0.50% | 0.50% | $1,000 | $1,000 | Quarterly |
| Product | Terms up to | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 24 | 0.60% | 0.60% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 24 | 0.60% | 0.60% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 24 | 0.60% | 0.60% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 24 | 0.60% | 0.60% | $1,000 | $1,000 | Quarterly |
| Product | Terms up to | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 36 | 0.70% | 0.70% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 36 | 0.70% | 0.70% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 36 | 0.70% | 0.70% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 36 | 0.70% | 0.70% | $1,000 | $1,000 | Quarterly |
| Product | Terms up to | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 48 | 0.80% | 0.80% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 48 | 0.80% | 0.80% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 48 | 0.80% | 0.80% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 48 | 0.80% | 0.80% | $1,000 | $1,000 | Quarterly |
| Product | Terms up to | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|---|
| $1,000 - $24,999.99 | 60 | 0.80% | 0.80% | $1,000 | $1,000 | Quarterly |
| $25,000 - $49,999.99 | 60 | 0.80% | 0.80% | $1,000 | $1,000 | Quarterly |
| $50,000 - $99,999.99 | 60 | 0.80% | 0.80% | $1,000 | $1,000 | Quarterly |
| $100,000 and over | 60 | 0.80% | 0.80% | $1,000 | $1,000 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| Share IRA | 0.25% | 0.25% | $0 | $0 | Quarterly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| WealthBuilder IRA Money Market | 0.30% | 0.30% | $0 | $0 | Monthly |
| Product | Dividend Rate | APY2 | Minimum Opening Balance | Minimum to Earn Dividends | Dividends Earned |
|---|---|---|---|---|---|
| 24 Month Forward Flex IRA | 4.40% | 4.50% | $1,000 | $1,000 | 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.
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 Disclosures for consumers or business.