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Savings Accounts

Savings accounts to watch your money grow

Saving money should be easy and rewarding. With our flexible savings accounts, you can set money aside to meet your financial goals while earning generous dividends on your deposits.

Leaders Savings Accounts

We’re leading the way to financial freedom. Our flexible savings accounts share these features in common, making it easy to save and watch your money grow.
Transfer between accounts
Earn dividends on your deposits
No minimum balance to avoid service charges
Automated savings with payroll deduction
Competitive APY
Free online & mobile banking
Start Saving Now
Savings Accounts

How Our Savings Accounts Stack Up

Our members earn more with dividend rates that beat the national average.
Earn up to 16X the national average⁶
Tiered dividends allow your money to grow
Keep your money accessible while you earn dividends
1.00% APY^2 instead of 0.06% APY^6
Prime Share Savings

Our membership savings account features tiered dividends to encourage saving and free access to online and mobile banking.

 

  • $10 minimum balance to earn dividends
  • Earn up to 0.10% APY¹
  • Free access to mobile & online banking
Prime Share Savings
Fast Forward Savings

It’s time to jump-start your savings with tiered dividends to help you grow your balance quickly. Automate your savings to achieve your financial goals.

 

  • Earn up to 1.00% APY² on your first $4,999.99 of savings
  • No minimum balance to earn dividends
  • Automate savings via payroll deduction
Fast Forward Savings
Champion High-Yield Savings

Are you ready to aim high with your savings goals? Earn tiered dividends that increase with your balance to maximize your savings and reach your long-term goals.

 

  • Earn up to 0.75% APY³
  • Dividends increase with your balance
  • No minimum balance to earn dividends
Champion High-Yield Savings
Christmas Club Savings

Take the stress out of holiday spending with our Christmas Club Savings Account. Automate savings via transfer or payroll deduction and watch your money grow all year long.

 

  • No minimum deposit required
  • Automate savings with payroll deductions
  • Earn 0.25% APY¹ on your savings
Christmas Club Savings
Vacation Club Savings

Saving for your next vacation couldn’t be easier. With a Vacation Club Savings account, you can automate your savings to ensure that your next vacation will be stress-free.

 

  • No minimum deposit required
  • Automate savings with payroll deductions
  • Earn 0.25% APY¹ on your savings
Vacation Club Savings
Future Leader Savings

Kids who learn the habit of saving are most likely to enjoy financial freedom as adults. With tiered dividends to encourage savings, this is the account to set your kids on the road to success.

 

  • Earn up to 5.00% APY¹
  • Membership fee waived
  • Incentives and rewards to encourage kids to save
Future Leader Savings
Minimum Deposit to Open
Earns Up To
Minimum Balance to Earn Dividends
Term Share Certificates

Earn our most generous dividends when you buy a term-share certificate. Choose a term between 3 and 60 months and watch your money grow.

 

  • Flexible terms between 3 months and 60 months⁴
  • Earn up to 0.80% APY¹
Term Share Certificates
Money Market Certificate

Do you want generous dividends with the ability to withdraw money if you need to? Our Money Market Certificate offers high earnings plus flexibility.

 

  • Earn 0.4% APY¹ paid quarterly
  • Penalty-free withdrawals⁴
  • $3,000 minimum deposit
Money Market Certificate
Individual Retirement Account

Begin your retirement planning now with an IRA term share certificate. Choose from a Traditional, Roth, or Educations Savings Account (ESA) and earn some of our highest dividends.

 

  • Earn up to 0.8% APY¹
  • $1,000 minimum deposit
  • Grow your money on a tax-deferred basis (with a Traditional IRA term certificate)⁵
Individual Retirement Account
Minimum Deposit to Open
Earns Up To
Minimum Balance to Earn Dividends
Term Share Certificate
$1,000
Minimum Deposit to Open
0.8% APY¹
Earns Up To
$1,000
Minimum Balance to Earn Dividends
Money Market Certificate
$3,000
Minimum Deposit to Open
0.4% APY¹
Earns Up To
$1,000
Minimum Balance to Earn Dividends
Individual Retirement Account
$1,000
Minimum Deposit to Open
0.8% APY¹
Earns Up To
$1,000
Minimum Balance to Earn Dividends

The reviews are in

Don't take our word for it. Read why our members love banking with Leaders.

    star chart 4.9 out of five

    4.9

    4.9 out of 5 (341 Member Reviews)

    Owned by Members

    Owned by Members

    Membership means ownership. As a not-for-profit credit union, we share rewards with our members in the form of dividends.

    Competitive Rates

    Competitive Rates

    Our members benefit from competitive rates that are lower than most financial institutions.

    Local Service

    Local Service

    As part of the West Tennessee community, we’re proud to serve our members and neighbors with a smile.

    Why Leaders?

    Why Leaders?

    Our goal is a simple one: to lead our members to the financial security they deserve.

    Join Now
    Stability

    Stability

    We’re one of the largest and healthiest credit unions in Tennessee, providing financial stability to our valued members.

    Comprehensive Services

    Comprehensive Services

    From basic banking services to sophisticated tools to achieve your financial dreams, we’ve got the accounts you need to reach your goals.

    Owned by Members

    Owned by Members

    Membership means ownership. As a not-for-profit credit union, we share rewards with our members in the form of dividends.

    Competitive Rates

    Competitive Rates

    Our members benefit from competitive rates that are lower than most financial institutions.

    Local Service

    Local Service

    As part of the West Tennessee community, we’re proud to serve our members and neighbors with a smile.

    Stability

    Stability

    We’re one of the largest and healthiest credit unions in Tennessee, providing financial stability to our valued members.

    Comprehensive Services

    Comprehensive Services

    From basic banking services to sophisticated tools to achieve your financial dreams, we’ve got the accounts you need to reach your goals.

    Have questions?

    One of our financial champions will be happy to guide you.
    Find a Branch Near Me

    Disclosures

    1. - APY = Annual Percentage Yield.

    2. - In order to qualify to receive interest for the month, the member must not withdraw from the account and have at least one (1) deposit for at least $20.00 (not including the interest from the account). If the member withdraws from the account, the member will not receive interest for the month. One FREE withdrawal per month, additional withdrawals are subject to a $5 fee. Account limited to one per membership.

    3. - $25,000 minimum opening deposit of New Money or Existing money from an LCU Certificate or Fast Forward Savings. New money is defined as money that has not been on deposit at Leaders Credit Union during the past 30 days. Dividends paid quarterly. Limited to three transfers or withdrawals. If these limitations are exceeded the account will be subject to a service charge for each withdrawal or transfer over the limit.

    4. - Term-share certificates closed before maturity are subject to early withdrawal penalties. Certificates may be used as collateral for low-interest loans.

    5. - There are specific guidelines for contributions and distributions of IRA funds. Please contact our IRA Department for more information at 731-664-1784

    6. - Based on the national APY average on savings accounts in the US according to Bankrate as of 05/06/2022.

    Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.